id	sid	tid	token	lemma	pos
fsr-3184	1	1	finser_23_1	finser_23_1	PROPN
fsr-3184	1	2	low	low	ADJ
fsr-3184	1	3	-	-	PUNCT
fsr-3184	1	4	income	income	NOUN
fsr-3184	1	5	employees	employee	NOUN
fsr-3184	1	6	:	:	PUNCT
fsr-3184	1	7	the	the	DET
fsr-3184	1	8	relationship	relationship	NOUN
fsr-3184	1	9	between	between	ADP
fsr-3184	1	10	information	information	NOUN
fsr-3184	1	11	from	from	ADP
fsr-3184	1	12	formal	formal	ADJ
fsr-3184	1	13	advisors	advisor	NOUN
fsr-3184	1	14	and	and	CCONJ
fsr-3184	1	15	financial	financial	ADJ
fsr-3184	1	16	behaviors	behavior	NOUN
fsr-3184	1	17	crystal	crystal	PROPN
fsr-3184	1	18	r.	r.	PROPN
fsr-3184	1	19	hudson	hudson	PROPN
fsr-3184	1	20	,	,	PUNCT
fsr-3184	1	21	ph.d.a	ph.d.a	PROPN
fsr-3184	1	22	,	,	PUNCT
fsr-3184	1	23	*	*	PUNCT
fsr-3184	1	24	,	,	PUNCT
fsr-3184	1	25	lance	lance	PROPN
fsr-3184	1	26	palmer	palmer	PROPN
fsr-3184	1	27	,	,	PUNCT
fsr-3184	1	28	ph.d	ph.d	PROPN
fsr-3184	1	29	.	.	PROPN
fsr-3184	1	30	,	,	PUNCT
fsr-3184	1	31	cpa	cpa	PROPN
fsr-3184	1	32	,	,	PUNCT
fsr-3184	1	33	cfpb	cfpb	ADJ
fsr-3184	1	34	adepartment	adepartment	NOUN
fsr-3184	1	35	of	of	ADP
fsr-3184	1	36	finance	finance	NOUN
fsr-3184	1	37	,	,	PUNCT
fsr-3184	1	38	clark	clark	PROPN
fsr-3184	1	39	atlanta	atlanta	PROPN
fsr-3184	1	40	university	university	PROPN
fsr-3184	1	41	,	,	PUNCT
fsr-3184	1	42	223	223	NUM
fsr-3184	1	43	james	james	PROPN
fsr-3184	1	44	p.	p.	PROPN
fsr-3184	1	45	brawley	brawley	PROPN
fsr-3184	1	46	drive	drive	PROPN
fsr-3184	1	47	,	,	PUNCT
fsr-3184	1	48	atlanta	atlanta	PROPN
fsr-3184	1	49	,	,	PUNCT
fsr-3184	1	50	ga	ga	PROPN
fsr-3184	1	51	30314	30314	NUM
fsr-3184	1	52	,	,	PUNCT
fsr-3184	1	53	usa	usa	PROPN
fsr-3184	1	54	bdepartment	bdepartment	NOUN
fsr-3184	1	55	of	of	ADP
fsr-3184	1	56	financial	financial	ADJ
fsr-3184	1	57	planning	planning	NOUN
fsr-3184	1	58	,	,	PUNCT
fsr-3184	1	59	housing	housing	NOUN
fsr-3184	1	60	and	and	CCONJ
fsr-3184	1	61	consumer	consumer	NOUN
fsr-3184	1	62	economics	economic	NOUN
fsr-3184	1	63	,	,	PUNCT
fsr-3184	1	64	university	university	NOUN
fsr-3184	1	65	of	of	ADP
fsr-3184	1	66	georgia	georgia	PROPN
fsr-3184	1	67	,	,	PUNCT
fsr-3184	1	68	205	205	NUM
fsr-3184	1	69	dawson	dawson	PROPN
fsr-3184	1	70	hall	hall	PROPN
fsr-3184	1	71	,	,	PUNCT
fsr-3184	1	72	athens	athens	PROPN
fsr-3184	1	73	,	,	PUNCT
fsr-3184	1	74	ga	ga	PROPN
fsr-3184	1	75	30602	30602	NUM
fsr-3184	1	76	-	-	SYM
fsr-3184	1	77	2622	2622	NUM
fsr-3184	1	78	,	,	PUNCT
fsr-3184	1	79	usa	usa	PROPN
fsr-3184	1	80	abstract	abstract	NOUN
fsr-3184	1	81	this	this	DET
fsr-3184	1	82	study	study	NOUN
fsr-3184	1	83	investigates	investigate	VERB
fsr-3184	1	84	the	the	DET
fsr-3184	1	85	financial	financial	ADJ
fsr-3184	1	86	literacy	literacy	NOUN
fsr-3184	1	87	of	of	ADP
fsr-3184	1	88	low	low	ADJ
fsr-3184	1	89	-	-	PUNCT
fsr-3184	1	90	income	income	NOUN
fsr-3184	1	91	employees	employee	NOUN
fsr-3184	1	92	,	,	PUNCT
fsr-3184	1	93	by	by	ADP
fsr-3184	1	94	examining	examine	VERB
fsr-3184	1	95	their	their	PRON
fsr-3184	1	96	financial	financial	ADJ
fsr-3184	1	97	behaviors	behavior	NOUN
fsr-3184	1	98	.	.	PUNCT
fsr-3184	2	1	thus	thus	ADV
fsr-3184	2	2	,	,	PUNCT
fsr-3184	2	3	researchers	researcher	NOUN
fsr-3184	2	4	examine	examine	VERB
fsr-3184	2	5	the	the	DET
fsr-3184	2	6	effect	effect	NOUN
fsr-3184	2	7	that	that	SCONJ
fsr-3184	2	8	information	information	NOUN
fsr-3184	2	9	from	from	ADP
fsr-3184	2	10	formal	formal	ADJ
fsr-3184	2	11	advisors	advisor	NOUN
fsr-3184	2	12	has	have	AUX
fsr-3184	2	13	on	on	ADP
fsr-3184	2	14	the	the	DET
fsr-3184	2	15	financial	financial	ADJ
fsr-3184	2	16	behaviors	behavior	NOUN
fsr-3184	2	17	of	of	ADP
fsr-3184	2	18	low	low	ADJ
fsr-3184	2	19	-	-	PUNCT
fsr-3184	2	20	income	income	NOUN
fsr-3184	2	21	employees	employee	NOUN
fsr-3184	2	22	.	.	PUNCT
fsr-3184	3	1	in	in	ADP
fsr-3184	3	2	this	this	DET
fsr-3184	3	3	study	study	NOUN
fsr-3184	3	4	,	,	PUNCT
fsr-3184	3	5	formal	formal	ADJ
fsr-3184	3	6	advisors	advisor	NOUN
fsr-3184	3	7	include	include	VERB
fsr-3184	3	8	financial	financial	ADJ
fsr-3184	3	9	planners	planner	NOUN
fsr-3184	3	10	,	,	PUNCT
fsr-3184	3	11	bankers	banker	NOUN
fsr-3184	3	12	,	,	PUNCT
fsr-3184	3	13	brokers	broker	NOUN
fsr-3184	3	14	,	,	PUNCT
fsr-3184	3	15	employers	employer	NOUN
fsr-3184	3	16	,	,	PUNCT
fsr-3184	3	17	accountants	accountant	NOUN
fsr-3184	3	18	,	,	PUNCT
fsr-3184	3	19	insurance	insurance	NOUN
fsr-3184	3	20	agents	agent	NOUN
fsr-3184	3	21	,	,	PUNCT
fsr-3184	3	22	and	and	CCONJ
fsr-3184	3	23	lawyers	lawyer	NOUN
fsr-3184	3	24	.	.	PUNCT
fsr-3184	4	1	using	use	VERB
fsr-3184	4	2	data	datum	NOUN
fsr-3184	4	3	from	from	ADP
fsr-3184	4	4	the	the	DET
fsr-3184	4	5	2010	2010	NUM
fsr-3184	4	6	survey	survey	NOUN
fsr-3184	4	7	of	of	ADP
fsr-3184	4	8	consumer	consumer	NOUN
fsr-3184	4	9	finances	finance	NOUN
fsr-3184	4	10	,	,	PUNCT
fsr-3184	4	11	researchers	researcher	NOUN
fsr-3184	4	12	find	find	VERB
fsr-3184	4	13	a	a	DET
fsr-3184	4	14	significant	significant	ADJ
fsr-3184	4	15	and	and	CCONJ
fsr-3184	4	16	positive	positive	ADJ
fsr-3184	4	17	relationship	relationship	NOUN
fsr-3184	4	18	between	between	ADP
fsr-3184	4	19	the	the	DET
fsr-3184	4	20	use	use	NOUN
fsr-3184	4	21	of	of	ADP
fsr-3184	4	22	information	information	NOUN
fsr-3184	4	23	from	from	ADP
fsr-3184	4	24	formal	formal	ADJ
fsr-3184	4	25	advisors	advisor	NOUN
fsr-3184	4	26	and	and	CCONJ
fsr-3184	4	27	low	low	ADJ
fsr-3184	4	28	-	-	PUNCT
fsr-3184	4	29	income	income	NOUN
fsr-3184	4	30	employees	employee	NOUN
fsr-3184	4	31	’	’	PART
fsr-3184	4	32	positive	positive	ADJ
fsr-3184	4	33	financial	financial	ADJ
fsr-3184	4	34	behaviors	behavior	NOUN
fsr-3184	4	35	.	.	PUNCT
fsr-3184	5	1	in	in	ADP
fsr-3184	5	2	other	other	ADJ
fsr-3184	5	3	words	word	NOUN
fsr-3184	5	4	,	,	PUNCT
fsr-3184	5	5	low	low	ADJ
fsr-3184	5	6	-	-	PUNCT
fsr-3184	5	7	income	income	NOUN
fsr-3184	5	8	employees	employee	NOUN
fsr-3184	5	9	who	who	PRON
fsr-3184	5	10	use	use	VERB
fsr-3184	5	11	information	information	NOUN
fsr-3184	5	12	from	from	ADP
fsr-3184	5	13	formal	formal	ADJ
fsr-3184	5	14	advisors	advisor	NOUN
fsr-3184	5	15	exhibit	exhibit	VERB
fsr-3184	5	16	better	well	ADJ
fsr-3184	5	17	financial	financial	ADJ
fsr-3184	5	18	behaviors	behavior	NOUN
fsr-3184	5	19	than	than	ADP
fsr-3184	5	20	those	those	PRON
fsr-3184	5	21	who	who	PRON
fsr-3184	5	22	do	do	VERB
fsr-3184	5	23	not	not	PART
fsr-3184	5	24	.	.	PUNCT
fsr-3184	6	1	©	©	PROPN
fsr-3184	6	2	2014	2014	NUM
fsr-3184	6	3	academy	academy	NOUN
fsr-3184	6	4	of	of	ADP
fsr-3184	6	5	financial	financial	ADJ
fsr-3184	6	6	services	service	NOUN
fsr-3184	6	7	.	.	PUNCT
fsr-3184	7	1	all	all	DET
fsr-3184	7	2	rights	right	NOUN
fsr-3184	7	3	reserved	reserve	VERB
fsr-3184	7	4	.	.	PUNCT
fsr-3184	8	1	jel	jel	PROPN
fsr-3184	8	2	classification	classification	NOUN
fsr-3184	8	3	:	:	PUNCT
fsr-3184	8	4	d14	d14	NOUN
fsr-3184	8	5	keywords	keyword	NOUN
fsr-3184	8	6	:	:	PUNCT
fsr-3184	8	7	financial	financial	ADJ
fsr-3184	8	8	behaviors	behavior	NOUN
fsr-3184	8	9	;	;	PUNCT
fsr-3184	8	10	low	low	ADJ
fsr-3184	8	11	-	-	PUNCT
fsr-3184	8	12	income	income	NOUN
fsr-3184	8	13	employees	employee	NOUN
fsr-3184	8	14	;	;	PUNCT
fsr-3184	8	15	financial	financial	ADJ
fsr-3184	8	16	information	information	NOUN
fsr-3184	8	17	1	1	NUM
fsr-3184	8	18	.	.	PUNCT
fsr-3184	8	19	introduction	introduction	NOUN
fsr-3184	8	20	over	over	ADP
fsr-3184	8	21	the	the	DET
fsr-3184	8	22	last	last	ADJ
fsr-3184	8	23	few	few	ADJ
fsr-3184	8	24	decades	decade	NOUN
fsr-3184	8	25	,	,	PUNCT
fsr-3184	8	26	american	american	ADJ
fsr-3184	8	27	corporations	corporation	NOUN
fsr-3184	8	28	have	have	AUX
fsr-3184	8	29	transitioned	transition	VERB
fsr-3184	8	30	from	from	ADP
fsr-3184	8	31	a	a	DET
fsr-3184	8	32	defined	define	VERB
fsr-3184	8	33	benefit	benefit	NOUN
fsr-3184	8	34	environment	environment	NOUN
fsr-3184	8	35	to	to	ADP
fsr-3184	8	36	a	a	DET
fsr-3184	8	37	defined	define	VERB
fsr-3184	8	38	contribution	contribution	NOUN
fsr-3184	8	39	environment	environment	NOUN
fsr-3184	8	40	,	,	PUNCT
fsr-3184	8	41	making	make	VERB
fsr-3184	8	42	employees	employee	NOUN
fsr-3184	8	43	largely	largely	ADV
fsr-3184	8	44	responsible	responsible	ADJ
fsr-3184	8	45	for	for	ADP
fsr-3184	8	46	their	their	PRON
fsr-3184	8	47	own	own	ADJ
fsr-3184	8	48	financial	financial	ADJ
fsr-3184	8	49	affairs	affair	NOUN
fsr-3184	8	50	(	(	PUNCT
fsr-3184	8	51	garman	garman	NOUN
fsr-3184	8	52	and	and	CCONJ
fsr-3184	8	53	kim	kim	PROPN
fsr-3184	8	54	,	,	PUNCT
fsr-3184	8	55	2003	2003	NUM
fsr-3184	8	56	;	;	PUNCT
fsr-3184	8	57	gonyea	gonyea	VERB
fsr-3184	8	58	,	,	PUNCT
fsr-3184	8	59	2007	2007	NUM
fsr-3184	8	60	;	;	PUNCT
fsr-3184	8	61	krajnak	krajnak	PROPN
fsr-3184	8	62	,	,	PUNCT
fsr-3184	8	63	burns	burn	NOUN
fsr-3184	8	64	,	,	PUNCT
fsr-3184	8	65	and	and	CCONJ
fsr-3184	8	66	natchek	natchek	ADJ
fsr-3184	8	67	,	,	PUNCT
fsr-3184	8	68	2008	2008	NUM
fsr-3184	8	69	)	)	PUNCT
fsr-3184	8	70	.	.	PUNCT
fsr-3184	9	1	in	in	ADP
fsr-3184	9	2	a	a	DET
fsr-3184	9	3	defined	define	VERB
fsr-3184	9	4	benefit	benefit	NOUN
fsr-3184	9	5	pension	pension	NOUN
fsr-3184	9	6	plan	plan	NOUN
fsr-3184	9	7	,	,	PUNCT
fsr-3184	9	8	employers	employer	NOUN
fsr-3184	9	9	are	be	AUX
fsr-3184	9	10	responsible	responsible	ADJ
fsr-3184	9	11	for	for	ADP
fsr-3184	9	12	providing	provide	VERB
fsr-3184	9	13	retirement	retirement	NOUN
fsr-3184	9	14	income	income	NOUN
fsr-3184	9	15	for	for	ADP
fsr-3184	9	16	the	the	DET
fsr-3184	9	17	employee	employee	NOUN
fsr-3184	9	18	and	and	CCONJ
fsr-3184	9	19	,	,	PUNCT
fsr-3184	9	20	therefore	therefore	ADV
fsr-3184	9	21	,	,	PUNCT
fsr-3184	9	22	employers	employer	NOUN
fsr-3184	9	23	bear	bear	VERB
fsr-3184	9	24	the	the	DET
fsr-3184	9	25	investment	investment	NOUN
fsr-3184	9	26	risk	risk	NOUN
fsr-3184	9	27	*	*	PUNCT
fsr-3184	9	28	corresponding	correspond	VERB
fsr-3184	9	29	author	author	NOUN
fsr-3184	9	30	.	.	PUNCT
fsr-3184	10	1	tel	tel	PROPN
fsr-3184	10	2	.	.	PUNCT
fsr-3184	10	3	:	:	PUNCT
fsr-3184	10	4	!	!	PUNCT
fsr-3184	11	1	1	1	NUM
fsr-3184	11	2	-	-	SYM
fsr-3184	11	3	404	404	NUM
fsr-3184	11	4	-	-	PUNCT
fsr-3184	11	5	880	880	NUM
fsr-3184	11	6	-	-	PUNCT
fsr-3184	11	7	6413	6413	NUM
fsr-3184	11	8	;	;	PUNCT
fsr-3184	12	1	fax	fax	NOUN
fsr-3184	12	2	:	:	PUNCT
fsr-3184	12	3	!	!	PUNCT
fsr-3184	12	4	1	1	NUM
fsr-3184	12	5	-	-	SYM
fsr-3184	12	6	404	404	NUM
fsr-3184	12	7	-	-	PUNCT
fsr-3184	12	8	880	880	NUM
fsr-3184	12	9	-	-	PUNCT
fsr-3184	12	10	6276	6276	NUM
fsr-3184	12	11	.	.	PUNCT
fsr-3184	13	1	e	e	X
fsr-3184	13	2	-	-	NOUN
fsr-3184	13	3	mail	mail	NOUN
fsr-3184	13	4	address	address	NOUN
fsr-3184	13	5	:	:	PUNCT
fsr-3184	13	6	crhudson@cau.edu	crhudson@cau.edu	NOUN
fsr-3184	13	7	(	(	PUNCT
fsr-3184	13	8	c.r	c.r	PROPN
fsr-3184	13	9	.	.	PROPN
fsr-3184	13	10	hudson	hudson	PROPN
fsr-3184	13	11	)	)	PUNCT
fsr-3184	13	12	financial	financial	PROPN
fsr-3184	13	13	services	service	NOUN
fsr-3184	13	14	review	review	VERB
fsr-3184	13	15	23	23	NUM
fsr-3184	13	16	(	(	PUNCT
fsr-3184	13	17	2014	2014	NUM
fsr-3184	13	18	)	)	PUNCT
fsr-3184	13	19	25–43	25–43	NUM
fsr-3184	13	20	1057	1057	NUM
fsr-3184	13	21	-	-	SYM
fsr-3184	13	22	0810/14/$	0810/14/$	NUM
fsr-3184	13	23	–	–	PUNCT
fsr-3184	13	24	see	see	VERB
fsr-3184	13	25	front	front	ADJ
fsr-3184	13	26	matter	matter	NOUN
fsr-3184	14	1	©	©	PROPN
fsr-3184	14	2	2014	2014	NUM
fsr-3184	14	3	academy	academy	NOUN
fsr-3184	14	4	of	of	ADP
fsr-3184	14	5	financial	financial	ADJ
fsr-3184	14	6	services	service	NOUN
fsr-3184	14	7	.	.	PUNCT
fsr-3184	15	1	all	all	DET
fsr-3184	15	2	rights	right	NOUN
fsr-3184	15	3	reserved	reserve	VERB
fsr-3184	15	4	.	.	PUNCT
fsr-3184	16	1	associated	associate	VERB
fsr-3184	16	2	with	with	ADP
fsr-3184	16	3	their	their	PRON
fsr-3184	16	4	retirement	retirement	NOUN
fsr-3184	16	5	portfolio	portfolio	NOUN
fsr-3184	16	6	(	(	PUNCT
fsr-3184	16	7	olsen	olsen	PROPN
fsr-3184	16	8	and	and	CCONJ
fsr-3184	16	9	vanderhei	vanderhei	PROPN
fsr-3184	16	10	,	,	PUNCT
fsr-3184	16	11	1997	1997	NUM
fsr-3184	16	12	)	)	PUNCT
fsr-3184	16	13	.	.	PUNCT
fsr-3184	17	1	conversely	conversely	ADV
fsr-3184	17	2	,	,	PUNCT
fsr-3184	17	3	a	a	DET
fsr-3184	17	4	defined	define	VERB
fsr-3184	17	5	contribution	contribution	NOUN
fsr-3184	17	6	plan	plan	NOUN
fsr-3184	17	7	shifts	shift	NOUN
fsr-3184	17	8	the	the	DET
fsr-3184	17	9	majority	majority	NOUN
fsr-3184	17	10	of	of	ADP
fsr-3184	17	11	this	this	DET
fsr-3184	17	12	responsibility	responsibility	NOUN
fsr-3184	17	13	and	and	CCONJ
fsr-3184	17	14	risk	risk	NOUN
fsr-3184	17	15	associated	associate	VERB
fsr-3184	17	16	with	with	ADP
fsr-3184	17	17	retirement	retirement	NOUN
fsr-3184	17	18	savings	saving	NOUN
fsr-3184	17	19	from	from	ADP
fsr-3184	17	20	the	the	DET
fsr-3184	17	21	employer	employer	NOUN
fsr-3184	17	22	to	to	ADP
fsr-3184	17	23	the	the	DET
fsr-3184	17	24	employee	employee	NOUN
fsr-3184	17	25	(	(	PUNCT
fsr-3184	17	26	garman	garman	NOUN
fsr-3184	17	27	and	and	CCONJ
fsr-3184	17	28	kim	kim	PROPN
fsr-3184	17	29	,	,	PUNCT
fsr-3184	17	30	2003	2003	NUM
fsr-3184	17	31	;	;	PUNCT
fsr-3184	17	32	gonyea	gonyea	VERB
fsr-3184	17	33	,	,	PUNCT
fsr-3184	17	34	2007	2007	NUM
fsr-3184	17	35	;	;	PUNCT
fsr-3184	17	36	olsen	olsen	NOUN
fsr-3184	17	37	and	and	CCONJ
fsr-3184	17	38	vanderhei	vanderhei	PROPN
fsr-3184	17	39	,	,	PUNCT
fsr-3184	17	40	1997	1997	NUM
fsr-3184	17	41	)	)	PUNCT
fsr-3184	17	42	.	.	PUNCT
fsr-3184	18	1	subsequently	subsequently	ADV
fsr-3184	18	2	,	,	PUNCT
fsr-3184	18	3	employees	employee	NOUN
fsr-3184	18	4	are	be	AUX
fsr-3184	18	5	now	now	ADV
fsr-3184	18	6	responsible	responsible	ADJ
fsr-3184	18	7	for	for	ADP
fsr-3184	18	8	their	their	PRON
fsr-3184	18	9	retirement	retirement	NOUN
fsr-3184	18	10	planning	planning	NOUN
fsr-3184	18	11	and	and	CCONJ
fsr-3184	18	12	have	have	VERB
fsr-3184	18	13	to	to	PART
fsr-3184	18	14	decide	decide	VERB
fsr-3184	18	15	how	how	SCONJ
fsr-3184	18	16	much	much	ADJ
fsr-3184	18	17	to	to	PART
fsr-3184	18	18	save	save	VERB
fsr-3184	18	19	,	,	PUNCT
fsr-3184	18	20	when	when	SCONJ
fsr-3184	18	21	to	to	PART
fsr-3184	18	22	save	save	VERB
fsr-3184	18	23	,	,	PUNCT
fsr-3184	18	24	and	and	CCONJ
fsr-3184	18	25	how	how	SCONJ
fsr-3184	18	26	to	to	PART
fsr-3184	18	27	invest	invest	VERB
fsr-3184	18	28	their	their	PRON
fsr-3184	18	29	funds	fund	NOUN
fsr-3184	18	30	(	(	PUNCT
fsr-3184	18	31	gonyea	gonyea	ADJ
fsr-3184	18	32	,	,	PUNCT
fsr-3184	18	33	2007	2007	NUM
fsr-3184	18	34	)	)	PUNCT
fsr-3184	18	35	.	.	PUNCT
fsr-3184	19	1	however	however	ADV
fsr-3184	19	2	,	,	PUNCT
fsr-3184	19	3	many	many	ADJ
fsr-3184	19	4	employees	employee	NOUN
fsr-3184	19	5	are	be	AUX
fsr-3184	19	6	not	not	PART
fsr-3184	19	7	prepared	prepare	VERB
fsr-3184	19	8	for	for	ADP
fsr-3184	19	9	this	this	DET
fsr-3184	19	10	responsibility	responsibility	NOUN
fsr-3184	19	11	,	,	PUNCT
fsr-3184	19	12	and	and	CCONJ
fsr-3184	19	13	employers	employer	NOUN
fsr-3184	19	14	have	have	AUX
fsr-3184	19	15	provided	provide	VERB
fsr-3184	19	16	little	little	ADJ
fsr-3184	19	17	education	education	NOUN
fsr-3184	19	18	to	to	PART
fsr-3184	19	19	assist	assist	VERB
fsr-3184	19	20	employees	employee	NOUN
fsr-3184	19	21	(	(	PUNCT
fsr-3184	19	22	garman	garman	NOUN
fsr-3184	19	23	and	and	CCONJ
fsr-3184	19	24	kim	kim	PROPN
fsr-3184	19	25	,	,	PUNCT
fsr-3184	19	26	2003	2003	NUM
fsr-3184	19	27	)	)	PUNCT
fsr-3184	19	28	.	.	PUNCT
fsr-3184	20	1	specifically	specifically	ADV
fsr-3184	20	2	,	,	PUNCT
fsr-3184	20	3	low	low	ADJ
fsr-3184	20	4	-	-	PUNCT
fsr-3184	20	5	income	income	NOUN
fsr-3184	20	6	employees	employee	NOUN
fsr-3184	20	7	have	have	AUX
fsr-3184	20	8	been	be	AUX
fsr-3184	20	9	the	the	DET
fsr-3184	20	10	most	most	ADV
fsr-3184	20	11	adversely	adversely	ADV
fsr-3184	20	12	affected	affect	VERB
fsr-3184	20	13	by	by	ADP
fsr-3184	20	14	this	this	DET
fsr-3184	20	15	transition	transition	NOUN
fsr-3184	20	16	and	and	CCONJ
fsr-3184	20	17	face	face	VERB
fsr-3184	20	18	the	the	DET
fsr-3184	20	19	greatest	great	ADJ
fsr-3184	20	20	risk	risk	NOUN
fsr-3184	20	21	of	of	ADP
fsr-3184	20	22	being	be	AUX
fsr-3184	20	23	unprepared	unprepared	ADJ
fsr-3184	20	24	for	for	ADP
fsr-3184	20	25	retirement	retirement	NOUN
fsr-3184	20	26	(	(	PUNCT
fsr-3184	20	27	kijakazi	kijakazi	NOUN
fsr-3184	20	28	,	,	PUNCT
fsr-3184	20	29	2003	2003	NUM
fsr-3184	20	30	;	;	PUNCT
fsr-3184	20	31	munnell	munnell	NOUN
fsr-3184	20	32	,	,	PUNCT
fsr-3184	20	33	golub	golub	NOUN
fsr-3184	20	34	-	-	PUNCT
fsr-3184	20	35	sass	sas	VERB
fsr-3184	20	36	,	,	PUNCT
fsr-3184	20	37	perun	perun	NOUN
fsr-3184	20	38	,	,	PUNCT
fsr-3184	20	39	and	and	CCONJ
fsr-3184	20	40	webb	webb	NOUN
fsr-3184	20	41	,	,	PUNCT
fsr-3184	20	42	2007	2007	NUM
fsr-3184	20	43	)	)	PUNCT
fsr-3184	20	44	.	.	PUNCT
fsr-3184	21	1	as	as	ADP
fsr-3184	21	2	a	a	DET
fsr-3184	21	3	result	result	NOUN
fsr-3184	21	4	,	,	PUNCT
fsr-3184	21	5	low	low	ADJ
fsr-3184	21	6	-	-	PUNCT
fsr-3184	21	7	income	income	NOUN
fsr-3184	21	8	employees	employee	NOUN
fsr-3184	21	9	may	may	AUX
fsr-3184	21	10	enter	enter	VERB
fsr-3184	21	11	retirement	retirement	NOUN
fsr-3184	21	12	with	with	ADP
fsr-3184	21	13	little	little	ADJ
fsr-3184	21	14	or	or	CCONJ
fsr-3184	21	15	no	no	PRON
fsr-3184	21	16	savings	saving	NOUN
fsr-3184	21	17	because	because	SCONJ
fsr-3184	21	18	they	they	PRON
fsr-3184	21	19	typically	typically	ADV
fsr-3184	21	20	have	have	VERB
fsr-3184	21	21	difficulties	difficulty	NOUN
fsr-3184	21	22	saving	save	VERB
fsr-3184	21	23	for	for	ADP
fsr-3184	21	24	retirement	retirement	NOUN
fsr-3184	21	25	(	(	PUNCT
fsr-3184	21	26	gonyea	gonyea	ADJ
fsr-3184	21	27	,	,	PUNCT
fsr-3184	21	28	2007	2007	NUM
fsr-3184	21	29	;	;	PUNCT
fsr-3184	21	30	kijakazi	kijakazi	PROPN
fsr-3184	21	31	,	,	PUNCT
fsr-3184	21	32	2003	2003	NUM
fsr-3184	21	33	)	)	PUNCT
fsr-3184	21	34	.	.	PUNCT
fsr-3184	22	1	further	far	ADV
fsr-3184	22	2	,	,	PUNCT
fsr-3184	22	3	research	research	NOUN
fsr-3184	22	4	finds	find	VERB
fsr-3184	22	5	that	that	SCONJ
fsr-3184	22	6	only	only	ADV
fsr-3184	22	7	23	23	NUM
fsr-3184	22	8	%	%	NOUN
fsr-3184	22	9	of	of	ADP
fsr-3184	22	10	households	household	NOUN
fsr-3184	22	11	in	in	ADP
fsr-3184	22	12	the	the	DET
fsr-3184	22	13	bottom	bottom	ADJ
fsr-3184	22	14	third	third	NOUN
fsr-3184	22	15	of	of	ADP
fsr-3184	22	16	the	the	DET
fsr-3184	22	17	income	income	NOUN
fsr-3184	22	18	distribution	distribution	NOUN
fsr-3184	22	19	participate	participate	VERB
fsr-3184	22	20	in	in	ADP
fsr-3184	22	21	employer	employer	NOUN
fsr-3184	22	22	retirement	retirement	NOUN
fsr-3184	22	23	plans	plan	NOUN
fsr-3184	22	24	,	,	PUNCT
fsr-3184	22	25	compared	compare	VERB
fsr-3184	22	26	to	to	ADP
fsr-3184	22	27	66	66	NUM
fsr-3184	22	28	%	%	NOUN
fsr-3184	22	29	of	of	ADP
fsr-3184	22	30	households	household	NOUN
fsr-3184	22	31	in	in	ADP
fsr-3184	22	32	the	the	DET
fsr-3184	22	33	top	top	ADJ
fsr-3184	22	34	third	third	NOUN
fsr-3184	22	35	(	(	PUNCT
fsr-3184	22	36	munnell	munnell	NOUN
fsr-3184	22	37	et	et	PROPN
fsr-3184	22	38	al	al	PROPN
fsr-3184	22	39	.	.	PROPN
fsr-3184	22	40	,	,	PUNCT
fsr-3184	22	41	2007	2007	NUM
fsr-3184	22	42	)	)	PUNCT
fsr-3184	22	43	.	.	PUNCT
fsr-3184	23	1	while	while	SCONJ
fsr-3184	23	2	low	low	ADJ
fsr-3184	23	3	-	-	PUNCT
fsr-3184	23	4	income	income	NOUN
fsr-3184	23	5	employees	employee	NOUN
fsr-3184	23	6	may	may	AUX
fsr-3184	23	7	receive	receive	VERB
fsr-3184	23	8	a	a	DET
fsr-3184	23	9	larger	large	ADJ
fsr-3184	23	10	proportionate	proportionate	ADJ
fsr-3184	23	11	social	social	ADJ
fsr-3184	23	12	security	security	NOUN
fsr-3184	23	13	benefit	benefit	NOUN
fsr-3184	23	14	based	base	VERB
fsr-3184	23	15	on	on	ADP
fsr-3184	23	16	their	their	PRON
fsr-3184	23	17	average	average	ADJ
fsr-3184	23	18	indexed	indexed	ADJ
fsr-3184	23	19	monthly	monthly	ADJ
fsr-3184	23	20	earnings	earning	NOUN
fsr-3184	23	21	,	,	PUNCT
fsr-3184	23	22	still	still	ADV
fsr-3184	23	23	the	the	DET
fsr-3184	23	24	absence	absence	NOUN
fsr-3184	23	25	of	of	ADP
fsr-3184	23	26	liquid	liquid	ADJ
fsr-3184	23	27	savings	saving	NOUN
fsr-3184	23	28	in	in	ADP
fsr-3184	23	29	retirement	retirement	NOUN
fsr-3184	23	30	presents	present	NOUN
fsr-3184	23	31	challenges	challenge	NOUN
fsr-3184	23	32	(	(	PUNCT
fsr-3184	23	33	gonyea	gonyea	ADJ
fsr-3184	23	34	,	,	PUNCT
fsr-3184	23	35	2007	2007	NUM
fsr-3184	23	36	)	)	PUNCT
fsr-3184	23	37	.	.	PUNCT
fsr-3184	24	1	compounding	compound	VERB
fsr-3184	24	2	this	this	DET
fsr-3184	24	3	dire	dire	ADJ
fsr-3184	24	4	situation	situation	NOUN
fsr-3184	24	5	,	,	PUNCT
fsr-3184	24	6	low	low	ADJ
fsr-3184	24	7	-	-	PUNCT
fsr-3184	24	8	income	income	NOUN
fsr-3184	24	9	employees	employee	NOUN
fsr-3184	24	10	also	also	ADV
fsr-3184	24	11	lack	lack	VERB
fsr-3184	24	12	the	the	DET
fsr-3184	24	13	financial	financial	ADJ
fsr-3184	24	14	knowledge	knowledge	NOUN
fsr-3184	24	15	and	and	CCONJ
fsr-3184	24	16	skills	skill	NOUN
fsr-3184	24	17	needed	need	VERB
fsr-3184	24	18	to	to	PART
fsr-3184	24	19	make	make	VERB
fsr-3184	24	20	sound	sound	ADJ
fsr-3184	24	21	financial	financial	ADJ
fsr-3184	24	22	decisions	decision	NOUN
fsr-3184	24	23	to	to	PART
fsr-3184	24	24	achieve	achieve	VERB
fsr-3184	24	25	their	their	PRON
fsr-3184	24	26	financial	financial	ADJ
fsr-3184	24	27	goals	goal	NOUN
fsr-3184	24	28	(	(	PUNCT
fsr-3184	24	29	rand	rand	NOUN
fsr-3184	24	30	,	,	PUNCT
fsr-3184	24	31	2004	2004	NUM
fsr-3184	24	32	)	)	PUNCT
fsr-3184	24	33	.	.	PUNCT
fsr-3184	25	1	for	for	ADP
fsr-3184	25	2	this	this	DET
fsr-3184	25	3	reason	reason	NOUN
fsr-3184	25	4	,	,	PUNCT
fsr-3184	25	5	low	low	ADJ
fsr-3184	25	6	-	-	PUNCT
fsr-3184	25	7	income	income	NOUN
fsr-3184	25	8	employees	employee	NOUN
fsr-3184	25	9	often	often	ADV
fsr-3184	25	10	live	live	VERB
fsr-3184	25	11	from	from	ADP
fsr-3184	25	12	paycheck	paycheck	NOUN
fsr-3184	25	13	to	to	ADP
fsr-3184	25	14	paycheck	paycheck	NOUN
fsr-3184	25	15	,	,	PUNCT
fsr-3184	25	16	carry	carry	VERB
fsr-3184	25	17	high	high	ADJ
fsr-3184	25	18	-	-	PUNCT
fsr-3184	25	19	cost	cost	NOUN
fsr-3184	25	20	debt	debt	NOUN
fsr-3184	25	21	,	,	PUNCT
fsr-3184	25	22	and	and	CCONJ
fsr-3184	25	23	are	be	AUX
fsr-3184	25	24	unaware	unaware	ADJ
fsr-3184	25	25	of	of	ADP
fsr-3184	25	26	consumer	consumer	NOUN
fsr-3184	25	27	rights	right	NOUN
fsr-3184	25	28	and	and	CCONJ
fsr-3184	25	29	services	service	NOUN
fsr-3184	25	30	that	that	PRON
fsr-3184	25	31	could	could	AUX
fsr-3184	25	32	improve	improve	VERB
fsr-3184	25	33	their	their	PRON
fsr-3184	25	34	financial	financial	ADJ
fsr-3184	25	35	circumstances	circumstance	NOUN
fsr-3184	25	36	(	(	PUNCT
fsr-3184	25	37	rand	rand	NOUN
fsr-3184	25	38	,	,	PUNCT
fsr-3184	25	39	2004	2004	NUM
fsr-3184	25	40	)	)	PUNCT
fsr-3184	25	41	.	.	PUNCT
fsr-3184	26	1	oftentimes	oftentime	NOUN
fsr-3184	26	2	,	,	PUNCT
fsr-3184	26	3	these	these	DET
fsr-3184	26	4	individuals	individual	NOUN
fsr-3184	26	5	fall	fall	VERB
fsr-3184	26	6	prey	prey	NOUN
fsr-3184	26	7	to	to	ADP
fsr-3184	26	8	financial	financial	ADJ
fsr-3184	26	9	scams	scam	NOUN
fsr-3184	26	10	and	and	CCONJ
fsr-3184	26	11	predatory	predatory	ADJ
fsr-3184	26	12	lenders	lender	NOUN
fsr-3184	26	13	partly	partly	ADV
fsr-3184	26	14	because	because	SCONJ
fsr-3184	26	15	they	they	PRON
fsr-3184	26	16	lack	lack	VERB
fsr-3184	26	17	the	the	DET
fsr-3184	26	18	financial	financial	ADJ
fsr-3184	26	19	savvy	savvy	NOUN
fsr-3184	26	20	to	to	PART
fsr-3184	26	21	protect	protect	VERB
fsr-3184	26	22	themselves	themselves	PRON
fsr-3184	26	23	(	(	PUNCT
fsr-3184	26	24	lyons	lyon	NOUN
fsr-3184	26	25	and	and	CCONJ
fsr-3184	26	26	scherpf	scherpf	NOUN
fsr-3184	26	27	,	,	PUNCT
fsr-3184	26	28	2004	2004	NUM
fsr-3184	26	29	)	)	PUNCT
fsr-3184	26	30	.	.	PUNCT
fsr-3184	27	1	thus	thus	ADV
fsr-3184	27	2	,	,	PUNCT
fsr-3184	27	3	the	the	DET
fsr-3184	27	4	combined	combined	ADJ
fsr-3184	27	5	challenge	challenge	NOUN
fsr-3184	27	6	of	of	ADP
fsr-3184	27	7	low	low	ADJ
fsr-3184	27	8	incomes	income	NOUN
fsr-3184	27	9	and	and	CCONJ
fsr-3184	27	10	poor	poor	ADJ
fsr-3184	27	11	financial	financial	ADJ
fsr-3184	27	12	behaviors	behavior	NOUN
fsr-3184	27	13	warrants	warrant	VERB
fsr-3184	27	14	a	a	DET
fsr-3184	27	15	focus	focus	NOUN
fsr-3184	27	16	on	on	ADP
fsr-3184	27	17	low	low	ADJ
fsr-3184	27	18	-	-	PUNCT
fsr-3184	27	19	income	income	NOUN
fsr-3184	27	20	employees	employee	NOUN
fsr-3184	27	21	and	and	CCONJ
fsr-3184	27	22	prompts	prompt	VERB
fsr-3184	27	23	the	the	DET
fsr-3184	27	24	following	follow	VERB
fsr-3184	27	25	research	research	NOUN
fsr-3184	27	26	question	question	NOUN
fsr-3184	27	27	:	:	PUNCT
fsr-3184	27	28	could	could	AUX
fsr-3184	27	29	information	information	VERB
fsr-3184	27	30	from	from	ADP
fsr-3184	27	31	formal	formal	ADJ
fsr-3184	27	32	advisors	advisor	NOUN
fsr-3184	27	33	positively	positively	ADV
fsr-3184	27	34	affect	affect	VERB
fsr-3184	27	35	the	the	DET
fsr-3184	27	36	financial	financial	ADJ
fsr-3184	27	37	behaviors	behavior	NOUN
fsr-3184	27	38	of	of	ADP
fsr-3184	27	39	low	low	ADJ
fsr-3184	27	40	-	-	PUNCT
fsr-3184	27	41	income	income	NOUN
fsr-3184	27	42	employees	employee	NOUN
fsr-3184	27	43	?	?	PUNCT
fsr-3184	28	1	the	the	DET
fsr-3184	28	2	purpose	purpose	NOUN
fsr-3184	28	3	of	of	ADP
fsr-3184	28	4	this	this	DET
fsr-3184	28	5	study	study	NOUN
fsr-3184	28	6	is	be	AUX
fsr-3184	28	7	to	to	PART
fsr-3184	28	8	examine	examine	VERB
fsr-3184	28	9	the	the	DET
fsr-3184	28	10	relationship	relationship	NOUN
fsr-3184	28	11	between	between	ADP
fsr-3184	28	12	low	low	ADJ
fsr-3184	28	13	-	-	PUNCT
fsr-3184	28	14	income	income	NOUN
fsr-3184	28	15	employees	employee	NOUN
fsr-3184	28	16	’	’	PART
fsr-3184	28	17	use	use	NOUN
fsr-3184	28	18	of	of	ADP
fsr-3184	28	19	information	information	NOUN
fsr-3184	28	20	from	from	ADP
fsr-3184	28	21	formal	formal	ADJ
fsr-3184	28	22	advisors	advisor	NOUN
fsr-3184	28	23	and	and	CCONJ
fsr-3184	28	24	their	their	PRON
fsr-3184	28	25	financial	financial	ADJ
fsr-3184	28	26	behaviors	behavior	NOUN
fsr-3184	28	27	.	.	PUNCT
fsr-3184	29	1	formal	formal	ADJ
fsr-3184	29	2	advisors	advisor	NOUN
fsr-3184	29	3	include	include	VERB
fsr-3184	29	4	financial	financial	ADJ
fsr-3184	29	5	planners	planner	NOUN
fsr-3184	29	6	,	,	PUNCT
fsr-3184	29	7	bankers	banker	NOUN
fsr-3184	29	8	,	,	PUNCT
fsr-3184	29	9	brokers	broker	NOUN
fsr-3184	29	10	,	,	PUNCT
fsr-3184	29	11	accountants	accountant	NOUN
fsr-3184	29	12	,	,	PUNCT
fsr-3184	29	13	insurance	insurance	NOUN
fsr-3184	29	14	agents	agent	NOUN
fsr-3184	29	15	,	,	PUNCT
fsr-3184	29	16	lawyers	lawyer	NOUN
fsr-3184	29	17	,	,	PUNCT
fsr-3184	29	18	and	and	CCONJ
fsr-3184	29	19	employers	employer	NOUN
fsr-3184	29	20	.	.	PUNCT
fsr-3184	30	1	researchers	researcher	NOUN
fsr-3184	30	2	assume	assume	VERB
fsr-3184	30	3	that	that	SCONJ
fsr-3184	30	4	financial	financial	ADJ
fsr-3184	30	5	information	information	NOUN
fsr-3184	30	6	from	from	ADP
fsr-3184	30	7	any	any	DET
fsr-3184	30	8	one	one	NUM
fsr-3184	30	9	of	of	ADP
fsr-3184	30	10	these	these	DET
fsr-3184	30	11	formal	formal	ADJ
fsr-3184	30	12	advisors	advisor	NOUN
fsr-3184	30	13	,	,	PUNCT
fsr-3184	30	14	specific	specific	ADJ
fsr-3184	30	15	to	to	ADP
fsr-3184	30	16	a	a	DET
fsr-3184	30	17	client	client	NOUN
fsr-3184	30	18	’s	’s	PART
fsr-3184	30	19	needs	need	NOUN
fsr-3184	30	20	,	,	PUNCT
fsr-3184	30	21	could	could	AUX
fsr-3184	30	22	have	have	VERB
fsr-3184	30	23	a	a	DET
fsr-3184	30	24	positive	positive	ADJ
fsr-3184	30	25	impact	impact	NOUN
fsr-3184	30	26	on	on	ADP
fsr-3184	30	27	financial	financial	ADJ
fsr-3184	30	28	decisions	decision	NOUN
fsr-3184	30	29	and	and	CCONJ
fsr-3184	30	30	on	on	ADP
fsr-3184	30	31	the	the	DET
fsr-3184	30	32	financial	financial	ADJ
fsr-3184	30	33	behaviors	behavior	NOUN
fsr-3184	30	34	of	of	ADP
fsr-3184	30	35	low	low	ADJ
fsr-3184	30	36	-	-	PUNCT
fsr-3184	30	37	income	income	NOUN
fsr-3184	30	38	employees	employee	NOUN
fsr-3184	30	39	.	.	PUNCT
fsr-3184	31	1	the	the	DET
fsr-3184	31	2	study	study	NOUN
fsr-3184	31	3	’s	’s	PART
fsr-3184	31	4	research	research	NOUN
fsr-3184	31	5	hypothesis	hypothesis	NOUN
fsr-3184	31	6	is	be	AUX
fsr-3184	31	7	as	as	SCONJ
fsr-3184	31	8	follows	follow	VERB
fsr-3184	31	9	:	:	PUNCT
fsr-3184	31	10	h11	h11	NOUN
fsr-3184	31	11	:	:	PUNCT
fsr-3184	31	12	a	a	DET
fsr-3184	31	13	significant	significant	ADJ
fsr-3184	31	14	and	and	CCONJ
fsr-3184	31	15	positive	positive	ADJ
fsr-3184	31	16	relationship	relationship	NOUN
fsr-3184	31	17	exists	exist	VERB
fsr-3184	31	18	between	between	ADP
fsr-3184	31	19	the	the	DET
fsr-3184	31	20	use	use	NOUN
fsr-3184	31	21	of	of	ADP
fsr-3184	31	22	financial	financial	ADJ
fsr-3184	31	23	information	information	NOUN
fsr-3184	31	24	from	from	ADP
fsr-3184	31	25	formal	formal	ADJ
fsr-3184	31	26	advisors	advisor	NOUN
fsr-3184	31	27	and	and	CCONJ
fsr-3184	31	28	the	the	DET
fsr-3184	31	29	acceptable	acceptable	ADJ
fsr-3184	31	30	savings	saving	NOUN
fsr-3184	31	31	and	and	CCONJ
fsr-3184	31	32	acceptable	acceptable	ADJ
fsr-3184	31	33	cash	cash	NOUN
fsr-3184	31	34	-	-	PUNCT
fsr-3184	31	35	flow	flow	NOUN
fsr-3184	31	36	management	management	NOUN
fsr-3184	31	37	behaviors	behavior	NOUN
fsr-3184	31	38	of	of	ADP
fsr-3184	31	39	low	low	ADJ
fsr-3184	31	40	-	-	PUNCT
fsr-3184	31	41	income	income	NOUN
fsr-3184	31	42	employees	employee	NOUN
fsr-3184	31	43	.	.	PUNCT
fsr-3184	32	1	h10	h10	NOUN
fsr-3184	32	2	:	:	PUNCT
fsr-3184	32	3	a	a	DET
fsr-3184	32	4	significant	significant	ADJ
fsr-3184	32	5	and	and	CCONJ
fsr-3184	32	6	positive	positive	ADJ
fsr-3184	32	7	relationship	relationship	NOUN
fsr-3184	32	8	does	do	AUX
fsr-3184	32	9	not	not	PART
fsr-3184	32	10	exist	exist	VERB
fsr-3184	32	11	between	between	ADP
fsr-3184	32	12	the	the	DET
fsr-3184	32	13	use	use	NOUN
fsr-3184	32	14	of	of	ADP
fsr-3184	32	15	financial	financial	ADJ
fsr-3184	32	16	information	information	NOUN
fsr-3184	32	17	from	from	ADP
fsr-3184	32	18	formal	formal	ADJ
fsr-3184	32	19	advisors	advisor	NOUN
fsr-3184	32	20	and	and	CCONJ
fsr-3184	32	21	the	the	DET
fsr-3184	32	22	acceptable	acceptable	ADJ
fsr-3184	32	23	savings	saving	NOUN
fsr-3184	32	24	and	and	CCONJ
fsr-3184	32	25	acceptable	acceptable	ADJ
fsr-3184	32	26	cash	cash	NOUN
fsr-3184	32	27	-	-	PUNCT
fsr-3184	32	28	flow	flow	NOUN
fsr-3184	32	29	management	management	NOUN
fsr-3184	32	30	behaviors	behavior	NOUN
fsr-3184	32	31	of	of	ADP
fsr-3184	32	32	low	low	ADJ
fsr-3184	32	33	-	-	PUNCT
fsr-3184	32	34	income	income	NOUN
fsr-3184	32	35	employees	employee	NOUN
fsr-3184	32	36	.	.	PUNCT
fsr-3184	33	1	26	26	NUM
fsr-3184	33	2	c.r	c.r	PROPN
fsr-3184	33	3	.	.	PROPN
fsr-3184	33	4	hudson	hudson	PROPN
fsr-3184	33	5	,	,	PUNCT
fsr-3184	33	6	l.	l.	PROPN
fsr-3184	33	7	palmer	palmer	PROPN
fsr-3184	33	8	/	/	SYM
fsr-3184	33	9	financial	financial	ADJ
fsr-3184	33	10	services	service	NOUN
fsr-3184	33	11	review	review	VERB
fsr-3184	33	12	23	23	NUM
fsr-3184	33	13	(	(	PUNCT
fsr-3184	33	14	2014	2014	NUM
fsr-3184	33	15	)	)	PUNCT
fsr-3184	33	16	25–43	25–43	NUM
fsr-3184	34	1	this	this	DET
fsr-3184	34	2	study	study	NOUN
fsr-3184	34	3	is	be	AUX
fsr-3184	34	4	important	important	ADJ
fsr-3184	34	5	because	because	SCONJ
fsr-3184	34	6	it	it	PRON
fsr-3184	34	7	adds	add	VERB
fsr-3184	34	8	to	to	ADP
fsr-3184	34	9	the	the	DET
fsr-3184	34	10	body	body	NOUN
fsr-3184	34	11	of	of	ADP
fsr-3184	34	12	research	research	NOUN
fsr-3184	34	13	relating	relate	VERB
fsr-3184	34	14	to	to	ADP
fsr-3184	34	15	the	the	DET
fsr-3184	34	16	financial	financial	ADJ
fsr-3184	34	17	behaviors	behavior	NOUN
fsr-3184	34	18	of	of	ADP
fsr-3184	34	19	low	low	ADJ
fsr-3184	34	20	-	-	PUNCT
fsr-3184	34	21	income	income	NOUN
fsr-3184	34	22	employees	employee	NOUN
fsr-3184	34	23	as	as	ADV
fsr-3184	34	24	well	well	ADV
fsr-3184	34	25	as	as	ADP
fsr-3184	34	26	the	the	DET
fsr-3184	34	27	body	body	NOUN
fsr-3184	34	28	of	of	ADP
fsr-3184	34	29	research	research	NOUN
fsr-3184	34	30	relating	relate	VERB
fsr-3184	34	31	to	to	ADP
fsr-3184	34	32	the	the	DET
fsr-3184	34	33	effectiveness	effectiveness	NOUN
fsr-3184	34	34	of	of	ADP
fsr-3184	34	35	financial	financial	ADJ
fsr-3184	34	36	advice	advice	NOUN
fsr-3184	34	37	or	or	CCONJ
fsr-3184	34	38	financial	financial	ADJ
fsr-3184	34	39	information	information	NOUN
fsr-3184	34	40	provided	provide	VERB
fsr-3184	34	41	by	by	ADP
fsr-3184	34	42	formal	formal	ADJ
fsr-3184	34	43	advisors	advisor	NOUN
fsr-3184	34	44	.	.	PUNCT
fsr-3184	35	1	lowincome	lowincome	NOUN
fsr-3184	35	2	employees	employee	NOUN
fsr-3184	35	3	have	have	AUX
fsr-3184	35	4	not	not	PART
fsr-3184	35	5	participated	participate	VERB
fsr-3184	35	6	in	in	ADP
fsr-3184	35	7	the	the	DET
fsr-3184	35	8	stock	stock	NOUN
fsr-3184	35	9	market	market	NOUN
fsr-3184	35	10	in	in	ADP
fsr-3184	35	11	a	a	DET
fsr-3184	35	12	significant	significant	ADJ
fsr-3184	35	13	way	way	NOUN
fsr-3184	35	14	,	,	PUNCT
fsr-3184	35	15	but	but	CCONJ
fsr-3184	35	16	given	give	VERB
fsr-3184	35	17	improved	improve	VERB
fsr-3184	35	18	financial	financial	ADJ
fsr-3184	35	19	behaviors	behavior	NOUN
fsr-3184	35	20	and	and	CCONJ
fsr-3184	35	21	skills	skill	NOUN
fsr-3184	35	22	this	this	DET
fsr-3184	35	23	segment	segment	NOUN
fsr-3184	35	24	has	have	VERB
fsr-3184	35	25	the	the	DET
fsr-3184	35	26	potential	potential	NOUN
fsr-3184	35	27	to	to	PART
fsr-3184	35	28	become	become	VERB
fsr-3184	35	29	active	active	ADJ
fsr-3184	35	30	,	,	PUNCT
fsr-3184	35	31	influential	influential	ADJ
fsr-3184	35	32	investors	investor	NOUN
fsr-3184	35	33	(	(	PUNCT
fsr-3184	35	34	roojl	roojl	PROPN
fsr-3184	35	35	,	,	PUNCT
fsr-3184	35	36	lusardi	lusardi	NOUN
fsr-3184	35	37	,	,	PUNCT
fsr-3184	35	38	and	and	CCONJ
fsr-3184	35	39	alessie	alessie	ADJ
fsr-3184	35	40	,	,	PUNCT
fsr-3184	35	41	2011	2011	NUM
fsr-3184	35	42	)	)	PUNCT
fsr-3184	35	43	.	.	PUNCT
fsr-3184	36	1	this	this	DET
fsr-3184	36	2	study	study	NOUN
fsr-3184	36	3	is	be	AUX
fsr-3184	36	4	also	also	ADV
fsr-3184	36	5	important	important	ADJ
fsr-3184	36	6	because	because	SCONJ
fsr-3184	36	7	researchers	researcher	NOUN
fsr-3184	36	8	take	take	VERB
fsr-3184	36	9	a	a	DET
fsr-3184	36	10	slightly	slightly	ADV
fsr-3184	36	11	different	different	ADJ
fsr-3184	36	12	approach	approach	NOUN
fsr-3184	36	13	by	by	ADP
fsr-3184	36	14	defining	define	VERB
fsr-3184	36	15	employees	employee	NOUN
fsr-3184	36	16	’	’	PART
fsr-3184	36	17	income	income	NOUN
fsr-3184	36	18	not	not	PART
fsr-3184	36	19	only	only	ADV
fsr-3184	36	20	by	by	ADP
fsr-3184	36	21	household	household	NOUN
fsr-3184	36	22	income	income	NOUN
fsr-3184	36	23	but	but	CCONJ
fsr-3184	36	24	also	also	ADV
fsr-3184	36	25	by	by	ADP
fsr-3184	36	26	household	household	NOUN
fsr-3184	36	27	size	size	NOUN
fsr-3184	36	28	.	.	PUNCT
fsr-3184	37	1	this	this	DET
fsr-3184	37	2	approach	approach	NOUN
fsr-3184	37	3	should	should	AUX
fsr-3184	37	4	provide	provide	VERB
fsr-3184	37	5	a	a	DET
fsr-3184	37	6	better	well	ADJ
fsr-3184	37	7	analysis	analysis	NOUN
fsr-3184	37	8	of	of	ADP
fsr-3184	37	9	an	an	DET
fsr-3184	37	10	employee	employee	NOUN
fsr-3184	37	11	’s	’s	PART
fsr-3184	37	12	true	true	ADJ
fsr-3184	37	13	financial	financial	ADJ
fsr-3184	37	14	circumstances	circumstance	NOUN
fsr-3184	37	15	and	and	CCONJ
fsr-3184	37	16	budget	budget	NOUN
fsr-3184	37	17	constraints	constraint	NOUN
fsr-3184	37	18	.	.	PUNCT
fsr-3184	38	1	moreover	moreover	ADV
fsr-3184	38	2	,	,	PUNCT
fsr-3184	38	3	this	this	DET
fsr-3184	38	4	study	study	NOUN
fsr-3184	38	5	utilizes	utilize	VERB
fsr-3184	38	6	multiple	multiple	ADJ
fsr-3184	38	7	behavioral	behavioral	ADJ
fsr-3184	38	8	indicators	indicator	NOUN
fsr-3184	38	9	to	to	PART
fsr-3184	38	10	assess	assess	VERB
fsr-3184	38	11	an	an	DET
fsr-3184	38	12	employee	employee	NOUN
fsr-3184	38	13	’s	’s	PART
fsr-3184	38	14	savings	saving	NOUN
fsr-3184	38	15	and	and	CCONJ
fsr-3184	38	16	cash	cash	NOUN
fsr-3184	38	17	-	-	PUNCT
fsr-3184	38	18	flow	flow	NOUN
fsr-3184	38	19	management	management	NOUN
fsr-3184	38	20	behaviors	behavior	NOUN
fsr-3184	38	21	.	.	PUNCT
fsr-3184	39	1	2	2	X
fsr-3184	39	2	.	.	X
fsr-3184	39	3	the	the	DET
fsr-3184	39	4	workplace	workplace	NOUN
fsr-3184	39	5	as	as	ADP
fsr-3184	39	6	an	an	DET
fsr-3184	39	7	information	information	NOUN
fsr-3184	39	8	source	source	NOUN
fsr-3184	39	9	the	the	DET
fsr-3184	39	10	workplace	workplace	NOUN
fsr-3184	39	11	has	have	AUX
fsr-3184	39	12	proven	prove	VERB
fsr-3184	39	13	to	to	PART
fsr-3184	39	14	be	be	AUX
fsr-3184	39	15	an	an	DET
fsr-3184	39	16	effective	effective	ADJ
fsr-3184	39	17	source	source	NOUN
fsr-3184	39	18	of	of	ADP
fsr-3184	39	19	financial	financial	ADJ
fsr-3184	39	20	information	information	NOUN
fsr-3184	39	21	for	for	ADP
fsr-3184	39	22	all	all	DET
fsr-3184	39	23	employees	employee	NOUN
fsr-3184	39	24	(	(	PUNCT
fsr-3184	39	25	kranjak	kranjak	PROPN
fsr-3184	39	26	et	et	PROPN
fsr-3184	39	27	al	al	PROPN
fsr-3184	39	28	.	.	PROPN
fsr-3184	39	29	,	,	PUNCT
fsr-3184	39	30	2008	2008	NUM
fsr-3184	39	31	)	)	PUNCT
fsr-3184	39	32	.	.	PUNCT
fsr-3184	40	1	after	after	ADV
fsr-3184	40	2	all	all	ADV
fsr-3184	40	3	,	,	PUNCT
fsr-3184	40	4	individuals	individual	NOUN
fsr-3184	40	5	spend	spend	VERB
fsr-3184	40	6	a	a	DET
fsr-3184	40	7	large	large	ADJ
fsr-3184	40	8	portion	portion	NOUN
fsr-3184	40	9	of	of	ADP
fsr-3184	40	10	their	their	PRON
fsr-3184	40	11	time	time	NOUN
fsr-3184	40	12	at	at	ADP
fsr-3184	40	13	work	work	NOUN
fsr-3184	40	14	(	(	PUNCT
fsr-3184	40	15	csikszentmihalyi	csikszentmihalyi	NOUN
fsr-3184	40	16	and	and	CCONJ
fsr-3184	40	17	lefevre	lefevre	NOUN
fsr-3184	40	18	,	,	PUNCT
fsr-3184	40	19	1989	1989	NUM
fsr-3184	40	20	)	)	PUNCT
fsr-3184	40	21	and	and	CCONJ
fsr-3184	40	22	employers	employer	NOUN
fsr-3184	40	23	and	and	CCONJ
fsr-3184	40	24	their	their	PRON
fsr-3184	40	25	financial	financial	ADJ
fsr-3184	40	26	representatives	representative	NOUN
fsr-3184	40	27	often	often	ADV
fsr-3184	40	28	connect	connect	VERB
fsr-3184	40	29	with	with	ADP
fsr-3184	40	30	employees	employee	NOUN
fsr-3184	40	31	by	by	ADP
fsr-3184	40	32	offering	offer	VERB
fsr-3184	40	33	financial	financial	ADJ
fsr-3184	40	34	education	education	NOUN
fsr-3184	40	35	seminars	seminar	NOUN
fsr-3184	40	36	and	and	CCONJ
fsr-3184	40	37	retirement	retirement	NOUN
fsr-3184	40	38	planning	planning	NOUN
fsr-3184	40	39	programs	program	NOUN
fsr-3184	40	40	through	through	ADP
fsr-3184	40	41	the	the	DET
fsr-3184	40	42	workplace	workplace	NOUN
fsr-3184	40	43	(	(	PUNCT
fsr-3184	40	44	servon	servon	ADJ
fsr-3184	40	45	and	and	CCONJ
fsr-3184	40	46	kaestner	kaestner	NOUN
fsr-3184	40	47	,	,	PUNCT
fsr-3184	40	48	2008	2008	NUM
fsr-3184	40	49	)	)	PUNCT
fsr-3184	40	50	.	.	PUNCT
fsr-3184	41	1	these	these	DET
fsr-3184	41	2	financial	financial	ADJ
fsr-3184	41	3	representatives	representative	NOUN
fsr-3184	41	4	are	be	AUX
fsr-3184	41	5	third	third	ADJ
fsr-3184	41	6	party	party	NOUN
fsr-3184	41	7	providers	provider	NOUN
fsr-3184	41	8	typically	typically	ADV
fsr-3184	41	9	hired	hire	VERB
fsr-3184	41	10	by	by	ADP
fsr-3184	41	11	the	the	DET
fsr-3184	41	12	employer	employer	NOUN
fsr-3184	41	13	to	to	PART
fsr-3184	41	14	provide	provide	VERB
fsr-3184	41	15	workplace	workplace	ADJ
fsr-3184	41	16	financial	financial	ADJ
fsr-3184	41	17	education	education	NOUN
fsr-3184	41	18	seminars	seminar	NOUN
fsr-3184	41	19	(	(	PUNCT
fsr-3184	41	20	clark	clark	NOUN
fsr-3184	41	21	,	,	PUNCT
fsr-3184	41	22	d’ambrosio	d’ambrosio	PROPN
fsr-3184	41	23	,	,	PUNCT
fsr-3184	41	24	mcdermed	mcderme	VERB
fsr-3184	41	25	,	,	PUNCT
fsr-3184	41	26	and	and	CCONJ
fsr-3184	41	27	sawant	sawant	NOUN
fsr-3184	41	28	,	,	PUNCT
fsr-3184	41	29	2003	2003	NUM
fsr-3184	41	30	)	)	PUNCT
fsr-3184	41	31	.	.	PUNCT
fsr-3184	42	1	another	another	DET
fsr-3184	42	2	reason	reason	NOUN
fsr-3184	42	3	the	the	DET
fsr-3184	42	4	workplace	workplace	NOUN
fsr-3184	42	5	serves	serve	VERB
fsr-3184	42	6	as	as	ADP
fsr-3184	42	7	an	an	DET
fsr-3184	42	8	effective	effective	ADJ
fsr-3184	42	9	source	source	NOUN
fsr-3184	42	10	of	of	ADP
fsr-3184	42	11	financial	financial	ADJ
fsr-3184	42	12	education	education	NOUN
fsr-3184	42	13	is	be	AUX
fsr-3184	42	14	because	because	SCONJ
fsr-3184	42	15	employees	employee	NOUN
fsr-3184	42	16	often	often	ADV
fsr-3184	42	17	view	view	VERB
fsr-3184	42	18	their	their	PRON
fsr-3184	42	19	employers	employer	NOUN
fsr-3184	42	20	as	as	ADP
fsr-3184	42	21	authorities	authority	NOUN
fsr-3184	42	22	or	or	CCONJ
fsr-3184	42	23	experts	expert	NOUN
fsr-3184	42	24	,	,	PUNCT
fsr-3184	42	25	particularly	particularly	ADV
fsr-3184	42	26	on	on	ADP
fsr-3184	42	27	matters	matter	NOUN
fsr-3184	42	28	relating	relate	VERB
fsr-3184	42	29	to	to	ADP
fsr-3184	42	30	their	their	PRON
fsr-3184	42	31	benefits	benefit	NOUN
fsr-3184	42	32	(	(	PUNCT
fsr-3184	42	33	jenkins	jenkin	NOUN
fsr-3184	42	34	,	,	PUNCT
fsr-3184	42	35	2005	2005	NUM
fsr-3184	42	36	;	;	PUNCT
fsr-3184	42	37	krajnak	krajnak	PROPN
fsr-3184	42	38	et	et	PROPN
fsr-3184	42	39	al	al	PROPN
fsr-3184	42	40	.	.	PROPN
fsr-3184	42	41	,	,	PUNCT
fsr-3184	42	42	2008	2008	NUM
fsr-3184	42	43	)	)	PUNCT
fsr-3184	42	44	.	.	PUNCT
fsr-3184	43	1	thus	thus	ADV
fsr-3184	43	2	,	,	PUNCT
fsr-3184	43	3	many	many	ADJ
fsr-3184	43	4	employees	employee	NOUN
fsr-3184	43	5	respect	respect	VERB
fsr-3184	43	6	and	and	CCONJ
fsr-3184	43	7	value	value	VERB
fsr-3184	43	8	the	the	DET
fsr-3184	43	9	workplace	workplace	NOUN
fsr-3184	43	10	as	as	ADP
fsr-3184	43	11	a	a	DET
fsr-3184	43	12	source	source	NOUN
fsr-3184	43	13	of	of	ADP
fsr-3184	43	14	information	information	NOUN
fsr-3184	43	15	(	(	PUNCT
fsr-3184	43	16	krajnak	krajnak	X
fsr-3184	43	17	et	et	PROPN
fsr-3184	43	18	al	al	PROPN
fsr-3184	43	19	.	.	PROPN
fsr-3184	43	20	,	,	PUNCT
fsr-3184	43	21	2008	2008	NUM
fsr-3184	43	22	)	)	PUNCT
fsr-3184	43	23	.	.	PUNCT
fsr-3184	44	1	moreover	moreover	ADV
fsr-3184	44	2	,	,	PUNCT
fsr-3184	44	3	when	when	SCONJ
fsr-3184	44	4	financial	financial	ADJ
fsr-3184	44	5	education	education	NOUN
fsr-3184	44	6	is	be	AUX
fsr-3184	44	7	provided	provide	VERB
fsr-3184	44	8	as	as	ADP
fsr-3184	44	9	an	an	DET
fsr-3184	44	10	employee	employee	NOUN
fsr-3184	44	11	benefit	benefit	NOUN
fsr-3184	44	12	,	,	PUNCT
fsr-3184	44	13	it	it	PRON
fsr-3184	44	14	is	be	AUX
fsr-3184	44	15	free	free	ADJ
fsr-3184	44	16	of	of	ADP
fsr-3184	44	17	charge	charge	NOUN
fsr-3184	44	18	and	and	CCONJ
fsr-3184	44	19	therefore	therefore	ADV
fsr-3184	44	20	more	more	ADV
fsr-3184	44	21	accessible	accessible	ADJ
fsr-3184	44	22	to	to	ADP
fsr-3184	44	23	those	those	PRON
fsr-3184	44	24	with	with	ADP
fsr-3184	44	25	lower	low	ADJ
fsr-3184	44	26	incomes	income	NOUN
fsr-3184	44	27	(	(	PUNCT
fsr-3184	44	28	edmiston	edmiston	NOUN
fsr-3184	44	29	and	and	CCONJ
fsr-3184	44	30	gillett	gillett	PROPN
fsr-3184	44	31	-	-	PUNCT
fsr-3184	44	32	fisher	fisher	PROPN
fsr-3184	44	33	,	,	PUNCT
fsr-3184	44	34	2006	2006	NUM
fsr-3184	44	35	)	)	PUNCT
fsr-3184	44	36	.	.	PUNCT
fsr-3184	45	1	3	3	X
fsr-3184	45	2	.	.	X
fsr-3184	45	3	literature	literature	PROPN
fsr-3184	45	4	review	review	VERB
fsr-3184	45	5	an	an	DET
fsr-3184	45	6	individual	individual	NOUN
fsr-3184	45	7	’s	’s	PART
fsr-3184	45	8	financial	financial	ADJ
fsr-3184	45	9	behaviors	behavior	NOUN
fsr-3184	45	10	provide	provide	VERB
fsr-3184	45	11	insight	insight	NOUN
fsr-3184	45	12	into	into	ADP
fsr-3184	45	13	their	their	PRON
fsr-3184	45	14	financial	financial	ADJ
fsr-3184	45	15	literacy	literacy	NOUN
fsr-3184	45	16	(	(	PUNCT
fsr-3184	45	17	huston	huston	PROPN
fsr-3184	45	18	,	,	PUNCT
fsr-3184	45	19	2010	2010	NUM
fsr-3184	45	20	;	;	PUNCT
fsr-3184	45	21	remund	remund	NOUN
fsr-3184	45	22	,	,	PUNCT
fsr-3184	45	23	2010	2010	NUM
fsr-3184	45	24	)	)	PUNCT
fsr-3184	45	25	.	.	PUNCT
fsr-3184	46	1	according	accord	VERB
fsr-3184	46	2	to	to	ADP
fsr-3184	46	3	huston	huston	PROPN
fsr-3184	46	4	(	(	PUNCT
fsr-3184	46	5	2010	2010	NUM
fsr-3184	46	6	)	)	PUNCT
fsr-3184	46	7	and	and	CCONJ
fsr-3184	46	8	remund	remund	NOUN
fsr-3184	46	9	(	(	PUNCT
fsr-3184	46	10	2010	2010	NUM
fsr-3184	46	11	)	)	PUNCT
fsr-3184	46	12	,	,	PUNCT
fsr-3184	46	13	financial	financial	ADJ
fsr-3184	46	14	literacy	literacy	NOUN
fsr-3184	46	15	is	be	AUX
fsr-3184	46	16	the	the	DET
fsr-3184	46	17	ability	ability	NOUN
fsr-3184	46	18	to	to	PART
fsr-3184	46	19	understand	understand	VERB
fsr-3184	46	20	and	and	CCONJ
fsr-3184	46	21	comprehend	comprehend	VERB
fsr-3184	46	22	personal	personal	ADJ
fsr-3184	46	23	finance	finance	NOUN
fsr-3184	46	24	information	information	NOUN
fsr-3184	46	25	,	,	PUNCT
fsr-3184	46	26	or	or	CCONJ
fsr-3184	46	27	financial	financial	ADJ
fsr-3184	46	28	knowledge	knowledge	NOUN
fsr-3184	46	29	,	,	PUNCT
fsr-3184	46	30	and	and	CCONJ
fsr-3184	46	31	the	the	DET
fsr-3184	46	32	ability	ability	NOUN
fsr-3184	46	33	to	to	PART
fsr-3184	46	34	apply	apply	VERB
fsr-3184	46	35	financial	financial	ADJ
fsr-3184	46	36	knowledge	knowledge	NOUN
fsr-3184	46	37	typically	typically	ADV
fsr-3184	46	38	through	through	ADP
fsr-3184	46	39	financial	financial	ADJ
fsr-3184	46	40	behaviors	behavior	NOUN
fsr-3184	46	41	.	.	PUNCT
fsr-3184	47	1	for	for	ADP
fsr-3184	47	2	this	this	DET
fsr-3184	47	3	reason	reason	NOUN
fsr-3184	47	4	,	,	PUNCT
fsr-3184	47	5	researchers	researcher	NOUN
fsr-3184	47	6	of	of	ADP
fsr-3184	47	7	this	this	DET
fsr-3184	47	8	study	study	NOUN
fsr-3184	47	9	choose	choose	VERB
fsr-3184	47	10	to	to	PART
fsr-3184	47	11	examine	examine	VERB
fsr-3184	47	12	the	the	DET
fsr-3184	47	13	financial	financial	ADJ
fsr-3184	47	14	literacy	literacy	NOUN
fsr-3184	47	15	of	of	ADP
fsr-3184	47	16	low	low	ADJ
fsr-3184	47	17	-	-	PUNCT
fsr-3184	47	18	income	income	NOUN
fsr-3184	47	19	employees	employee	NOUN
fsr-3184	47	20	through	through	ADP
fsr-3184	47	21	their	their	PRON
fsr-3184	47	22	financial	financial	ADJ
fsr-3184	47	23	behaviors	behavior	NOUN
fsr-3184	47	24	.	.	PUNCT
fsr-3184	48	1	furthermore	furthermore	ADV
fsr-3184	48	2	,	,	PUNCT
fsr-3184	48	3	the	the	DET
fsr-3184	48	4	researchers	researcher	NOUN
fsr-3184	48	5	of	of	ADP
fsr-3184	48	6	this	this	DET
fsr-3184	48	7	study	study	NOUN
fsr-3184	48	8	review	review	VERB
fsr-3184	48	9	previous	previous	ADJ
fsr-3184	48	10	studies	study	NOUN
fsr-3184	48	11	that	that	PRON
fsr-3184	48	12	examine	examine	VERB
fsr-3184	48	13	the	the	DET
fsr-3184	48	14	effect	effect	NOUN
fsr-3184	48	15	of	of	ADP
fsr-3184	48	16	financial	financial	ADJ
fsr-3184	48	17	information	information	NOUN
fsr-3184	48	18	or	or	CCONJ
fsr-3184	48	19	financial	financial	ADJ
fsr-3184	48	20	education	education	NOUN
fsr-3184	48	21	from	from	ADP
fsr-3184	48	22	formal	formal	ADJ
fsr-3184	48	23	advisors	advisor	NOUN
fsr-3184	48	24	on	on	ADP
fsr-3184	48	25	financial	financial	ADJ
fsr-3184	48	26	behaviors	behavior	NOUN
fsr-3184	48	27	of	of	ADP
fsr-3184	48	28	low	low	ADJ
fsr-3184	48	29	-	-	PUNCT
fsr-3184	48	30	income	income	NOUN
fsr-3184	48	31	employees	employee	NOUN
fsr-3184	48	32	(	(	PUNCT
fsr-3184	48	33	loibl	loibl	PROPN
fsr-3184	48	34	and	and	CCONJ
fsr-3184	48	35	hira	hira	PROPN
fsr-3184	48	36	,	,	PUNCT
fsr-3184	48	37	2005	2005	NUM
fsr-3184	48	38	;	;	PUNCT
fsr-3184	48	39	rand	rand	NOUN
fsr-3184	48	40	,	,	PUNCT
fsr-3184	48	41	2004	2004	NUM
fsr-3184	48	42	)	)	PUNCT
fsr-3184	48	43	and	and	CCONJ
fsr-3184	48	44	on	on	ADP
fsr-3184	48	45	the	the	DET
fsr-3184	48	46	financial	financial	ADJ
fsr-3184	48	47	behaviors	behavior	NOUN
fsr-3184	48	48	of	of	ADP
fsr-3184	48	49	all	all	DET
fsr-3184	48	50	employees	employee	NOUN
fsr-3184	48	51	(	(	PUNCT
fsr-3184	48	52	bayer	bayer	PROPN
fsr-3184	48	53	,	,	PUNCT
fsr-3184	48	54	bernheim	bernheim	NOUN
fsr-3184	48	55	,	,	PUNCT
fsr-3184	48	56	and	and	CCONJ
fsr-3184	48	57	scholtz	scholtz	PROPN
fsr-3184	48	58	,	,	PUNCT
fsr-3184	48	59	1996	1996	NUM
fsr-3184	48	60	;	;	PUNCT
fsr-3184	48	61	bernheim	bernheim	PROPN
fsr-3184	48	62	and	and	CCONJ
fsr-3184	48	63	garrett	garrett	PROPN
fsr-3184	48	64	,	,	PUNCT
fsr-3184	48	65	2003	2003	NUM
fsr-3184	48	66	;	;	PUNCT
fsr-3184	48	67	byrne	byrne	VERB
fsr-3184	48	68	,	,	PUNCT
fsr-3184	48	69	2007	2007	NUM
fsr-3184	48	70	;	;	PUNCT
fsr-3184	48	71	clark	clark	NOUN
fsr-3184	48	72	,	,	PUNCT
fsr-3184	48	73	d’ambrosio	d’ambrosio	PROPN
fsr-3184	48	74	,	,	PUNCT
fsr-3184	48	75	mcdermed	mcderme	VERB
fsr-3184	48	76	,	,	PUNCT
fsr-3184	48	77	and	and	CCONJ
fsr-3184	48	78	sawant	sawant	NOUN
fsr-3184	48	79	,	,	PUNCT
fsr-3184	48	80	2006	2006	NUM
fsr-3184	48	81	;	;	PUNCT
fsr-3184	48	82	dolvin	dolvin	NOUN
fsr-3184	48	83	and	and	CCONJ
fsr-3184	48	84	templeton	templeton	PROPN
fsr-3184	48	85	,	,	PUNCT
fsr-3184	48	86	2006	2006	NUM
fsr-3184	48	87	)	)	PUNCT
fsr-3184	48	88	.	.	PUNCT
fsr-3184	49	1	27c.r	27c.r	NUM
fsr-3184	49	2	.	.	PUNCT
fsr-3184	50	1	hudson	hudson	PROPN
fsr-3184	50	2	,	,	PUNCT
fsr-3184	50	3	l.	l.	PROPN
fsr-3184	50	4	palmer	palmer	PROPN
fsr-3184	50	5	/	/	SYM
fsr-3184	50	6	financial	financial	ADJ
fsr-3184	50	7	services	service	NOUN
fsr-3184	50	8	review	review	VERB
fsr-3184	50	9	23	23	NUM
fsr-3184	50	10	(	(	PUNCT
fsr-3184	50	11	2014	2014	NUM
fsr-3184	50	12	)	)	PUNCT
fsr-3184	51	1	25–43	25–43	NUM
fsr-3184	52	1	the	the	DET
fsr-3184	52	2	theoretical	theoretical	ADJ
fsr-3184	52	3	model	model	NOUN
fsr-3184	52	4	that	that	PRON
fsr-3184	52	5	guides	guide	VERB
fsr-3184	52	6	the	the	DET
fsr-3184	52	7	analysis	analysis	NOUN
fsr-3184	52	8	and	and	CCONJ
fsr-3184	52	9	hypothesis	hypothesis	NOUN
fsr-3184	52	10	of	of	ADP
fsr-3184	52	11	this	this	DET
fsr-3184	52	12	study	study	NOUN
fsr-3184	52	13	is	be	AUX
fsr-3184	52	14	the	the	DET
fsr-3184	52	15	“	"	PUNCT
fsr-3184	52	16	behavioral	behavioral	ADJ
fsr-3184	52	17	model	model	NOUN
fsr-3184	52	18	of	of	ADP
fsr-3184	52	19	financial	financial	ADJ
fsr-3184	52	20	services	service	NOUN
fsr-3184	52	21	use	use	VERB
fsr-3184	52	22	”	"	PUNCT
fsr-3184	52	23	(	(	PUNCT
fsr-3184	52	24	kunovskaya	kunovskaya	PROPN
fsr-3184	52	25	,	,	PUNCT
fsr-3184	52	26	2010	2010	NUM
fsr-3184	52	27	)	)	PUNCT
fsr-3184	52	28	an	an	DET
fsr-3184	52	29	adaptation	adaptation	NOUN
fsr-3184	52	30	of	of	ADP
fsr-3184	52	31	the	the	DET
fsr-3184	52	32	“	"	PUNCT
fsr-3184	52	33	behavioral	behavioral	ADJ
fsr-3184	52	34	model	model	NOUN
fsr-3184	52	35	of	of	ADP
fsr-3184	52	36	health	health	NOUN
fsr-3184	52	37	services	service	NOUN
fsr-3184	52	38	use	use	VERB
fsr-3184	52	39	”	"	PUNCT
fsr-3184	52	40	(	(	PUNCT
fsr-3184	52	41	andersen	andersen	PROPN
fsr-3184	52	42	,	,	PUNCT
fsr-3184	52	43	1995	1995	NUM
fsr-3184	52	44	)	)	PUNCT
fsr-3184	52	45	.	.	PUNCT
fsr-3184	53	1	this	this	DET
fsr-3184	53	2	model	model	NOUN
fsr-3184	53	3	suggests	suggest	VERB
fsr-3184	53	4	that	that	SCONJ
fsr-3184	53	5	after	after	SCONJ
fsr-3184	53	6	an	an	DET
fsr-3184	53	7	individual	individual	NOUN
fsr-3184	53	8	makes	make	VERB
fsr-3184	53	9	the	the	DET
fsr-3184	53	10	decision	decision	NOUN
fsr-3184	53	11	to	to	PART
fsr-3184	53	12	use	use	VERB
fsr-3184	53	13	the	the	DET
fsr-3184	53	14	services	service	NOUN
fsr-3184	53	15	of	of	ADP
fsr-3184	53	16	financial	financial	ADJ
fsr-3184	53	17	professionals	professional	NOUN
fsr-3184	53	18	their	their	PRON
fsr-3184	53	19	financial	financial	ADJ
fsr-3184	53	20	status	status	NOUN
fsr-3184	53	21	and/or	and/or	CCONJ
fsr-3184	53	22	financial	financial	ADJ
fsr-3184	53	23	behaviors	behavior	NOUN
fsr-3184	53	24	will	will	AUX
fsr-3184	53	25	be	be	AUX
fsr-3184	53	26	positively	positively	ADV
fsr-3184	53	27	affected	affect	VERB
fsr-3184	53	28	(	(	PUNCT
fsr-3184	53	29	kunovskaya	kunovskaya	PROPN
fsr-3184	53	30	,	,	PUNCT
fsr-3184	53	31	2010	2010	NUM
fsr-3184	53	32	)	)	PUNCT
fsr-3184	53	33	.	.	PUNCT
fsr-3184	54	1	likewise	likewise	ADV
fsr-3184	54	2	,	,	PUNCT
fsr-3184	54	3	this	this	DET
fsr-3184	54	4	study	study	NOUN
fsr-3184	54	5	suggests	suggest	VERB
fsr-3184	54	6	that	that	SCONJ
fsr-3184	54	7	financial	financial	ADJ
fsr-3184	54	8	information	information	NOUN
fsr-3184	54	9	from	from	ADP
fsr-3184	54	10	formal	formal	ADJ
fsr-3184	54	11	advisors	advisor	NOUN
fsr-3184	54	12	can	can	AUX
fsr-3184	54	13	positively	positively	ADV
fsr-3184	54	14	affect	affect	VERB
fsr-3184	54	15	the	the	DET
fsr-3184	54	16	financial	financial	ADJ
fsr-3184	54	17	behaviors	behavior	NOUN
fsr-3184	54	18	of	of	ADP
fsr-3184	54	19	low	low	ADJ
fsr-3184	54	20	-	-	PUNCT
fsr-3184	54	21	income	income	NOUN
fsr-3184	54	22	employees	employee	NOUN
fsr-3184	54	23	.	.	PUNCT
fsr-3184	55	1	3.1	3.1	NUM
fsr-3184	55	2	.	.	PUNCT
fsr-3184	55	3	impact	impact	NOUN
fsr-3184	55	4	of	of	ADP
fsr-3184	55	5	financial	financial	ADJ
fsr-3184	55	6	advisors	advisor	NOUN
fsr-3184	55	7	on	on	ADP
fsr-3184	55	8	low	low	ADJ
fsr-3184	55	9	-	-	PUNCT
fsr-3184	55	10	income	income	NOUN
fsr-3184	55	11	employees	employee	NOUN
fsr-3184	55	12	’	’	PART
fsr-3184	55	13	financial	financial	ADJ
fsr-3184	55	14	behaviors	behavior	NOUN
fsr-3184	55	15	although	although	SCONJ
fsr-3184	55	16	the	the	DET
fsr-3184	55	17	primary	primary	ADJ
fsr-3184	55	18	focus	focus	NOUN
fsr-3184	55	19	of	of	ADP
fsr-3184	55	20	most	most	ADJ
fsr-3184	55	21	workplace	workplace	ADJ
fsr-3184	55	22	financial	financial	ADJ
fsr-3184	55	23	education	education	NOUN
fsr-3184	55	24	studies	study	NOUN
fsr-3184	55	25	has	have	AUX
fsr-3184	55	26	been	be	AUX
fsr-3184	55	27	all	all	DET
fsr-3184	55	28	employees	employee	NOUN
fsr-3184	55	29	within	within	ADP
fsr-3184	55	30	the	the	DET
fsr-3184	55	31	workforce	workforce	NOUN
fsr-3184	55	32	,	,	PUNCT
fsr-3184	55	33	a	a	DET
fsr-3184	55	34	few	few	ADJ
fsr-3184	55	35	studies	study	NOUN
fsr-3184	55	36	specifically	specifically	ADV
fsr-3184	55	37	target	target	VERB
fsr-3184	55	38	low	low	ADJ
fsr-3184	55	39	-	-	PUNCT
fsr-3184	55	40	income	income	NOUN
fsr-3184	55	41	employees	employee	NOUN
fsr-3184	55	42	.	.	PUNCT
fsr-3184	56	1	these	these	DET
fsr-3184	56	2	studies	study	NOUN
fsr-3184	56	3	provide	provide	VERB
fsr-3184	56	4	evidence	evidence	NOUN
fsr-3184	56	5	of	of	ADP
fsr-3184	56	6	a	a	DET
fsr-3184	56	7	positive	positive	ADJ
fsr-3184	56	8	and	and	CCONJ
fsr-3184	56	9	significant	significant	ADJ
fsr-3184	56	10	relationship	relationship	NOUN
fsr-3184	56	11	between	between	ADP
fsr-3184	56	12	the	the	DET
fsr-3184	56	13	use	use	NOUN
fsr-3184	56	14	of	of	ADP
fsr-3184	56	15	information	information	NOUN
fsr-3184	56	16	from	from	ADP
fsr-3184	56	17	formal	formal	ADJ
fsr-3184	56	18	advisors	advisor	NOUN
fsr-3184	56	19	and	and	CCONJ
fsr-3184	56	20	acceptable	acceptable	ADJ
fsr-3184	56	21	financial	financial	ADJ
fsr-3184	56	22	behaviors	behavior	NOUN
fsr-3184	56	23	among	among	ADP
fsr-3184	56	24	low	low	ADJ
fsr-3184	56	25	-	-	PUNCT
fsr-3184	56	26	income	income	NOUN
fsr-3184	56	27	employees	employee	NOUN
fsr-3184	56	28	(	(	PUNCT
fsr-3184	56	29	loibl	loibl	PROPN
fsr-3184	56	30	and	and	CCONJ
fsr-3184	56	31	hira	hira	PROPN
fsr-3184	56	32	,	,	PUNCT
fsr-3184	56	33	2005	2005	NUM
fsr-3184	56	34	;	;	PUNCT
fsr-3184	56	35	rand	rand	NOUN
fsr-3184	56	36	,	,	PUNCT
fsr-3184	56	37	2004	2004	NUM
fsr-3184	56	38	)	)	PUNCT
fsr-3184	56	39	.	.	PUNCT
fsr-3184	57	1	these	these	DET
fsr-3184	57	2	previous	previous	ADJ
fsr-3184	57	3	studies	study	NOUN
fsr-3184	57	4	examine	examine	VERB
fsr-3184	57	5	the	the	DET
fsr-3184	57	6	relationship	relationship	NOUN
fsr-3184	57	7	between	between	ADP
fsr-3184	57	8	financial	financial	ADJ
fsr-3184	57	9	information	information	NOUN
fsr-3184	57	10	that	that	PRON
fsr-3184	57	11	has	have	AUX
fsr-3184	57	12	been	be	AUX
fsr-3184	57	13	provided	provide	VERB
fsr-3184	57	14	through	through	ADP
fsr-3184	57	15	self	self	NOUN
fsr-3184	57	16	-	-	PUNCT
fsr-3184	57	17	directed	direct	VERB
fsr-3184	57	18	learning	learning	NOUN
fsr-3184	57	19	(	(	PUNCT
fsr-3184	57	20	loibl	loibl	NOUN
fsr-3184	57	21	and	and	CCONJ
fsr-3184	57	22	hira	hira	PROPN
fsr-3184	57	23	,	,	PUNCT
fsr-3184	57	24	2005	2005	NUM
fsr-3184	57	25	)	)	PUNCT
fsr-3184	57	26	and	and	CCONJ
fsr-3184	57	27	the	the	DET
fsr-3184	57	28	financial	financial	ADJ
fsr-3184	57	29	behaviors	behavior	NOUN
fsr-3184	57	30	of	of	ADP
fsr-3184	57	31	low	low	ADJ
fsr-3184	57	32	-	-	PUNCT
fsr-3184	57	33	income	income	NOUN
fsr-3184	57	34	employees	employee	NOUN
fsr-3184	57	35	as	as	ADV
fsr-3184	57	36	well	well	ADV
fsr-3184	57	37	as	as	ADP
fsr-3184	57	38	financial	financial	ADJ
fsr-3184	57	39	information	information	NOUN
fsr-3184	57	40	provided	provide	VERB
fsr-3184	57	41	through	through	ADP
fsr-3184	57	42	seminars	seminar	NOUN
fsr-3184	57	43	(	(	PUNCT
fsr-3184	57	44	rand	rand	NOUN
fsr-3184	57	45	,	,	PUNCT
fsr-3184	57	46	2004	2004	NUM
fsr-3184	57	47	)	)	PUNCT
fsr-3184	57	48	and	and	CCONJ
fsr-3184	57	49	the	the	DET
fsr-3184	57	50	financial	financial	ADJ
fsr-3184	57	51	behaviors	behavior	NOUN
fsr-3184	57	52	of	of	ADP
fsr-3184	57	53	low	low	ADJ
fsr-3184	57	54	-	-	PUNCT
fsr-3184	57	55	income	income	NOUN
fsr-3184	57	56	employees	employee	NOUN
fsr-3184	57	57	.	.	PUNCT
fsr-3184	58	1	loibl	loibl	PROPN
fsr-3184	58	2	and	and	CCONJ
fsr-3184	58	3	hira	hira	PROPN
fsr-3184	58	4	(	(	PUNCT
fsr-3184	58	5	2005	2005	NUM
fsr-3184	58	6	)	)	PUNCT
fsr-3184	58	7	consider	consider	VERB
fsr-3184	58	8	the	the	DET
fsr-3184	58	9	effect	effect	NOUN
fsr-3184	58	10	of	of	ADP
fsr-3184	58	11	self	self	NOUN
fsr-3184	58	12	-	-	PUNCT
fsr-3184	58	13	directed	direct	VERB
fsr-3184	58	14	learning	learning	NOUN
fsr-3184	58	15	on	on	ADP
fsr-3184	58	16	financial	financial	ADJ
fsr-3184	58	17	management	management	NOUN
fsr-3184	58	18	practices	practice	NOUN
fsr-3184	58	19	(	(	PUNCT
fsr-3184	58	20	i.e.	i.e.	X
fsr-3184	58	21	,	,	PUNCT
fsr-3184	58	22	financial	financial	ADJ
fsr-3184	58	23	behaviors	behavior	NOUN
fsr-3184	58	24	)	)	PUNCT
fsr-3184	58	25	,	,	PUNCT
fsr-3184	58	26	the	the	DET
fsr-3184	58	27	effect	effect	NOUN
fsr-3184	58	28	of	of	ADP
fsr-3184	58	29	financial	financial	ADJ
fsr-3184	58	30	management	management	NOUN
fsr-3184	58	31	practices	practice	NOUN
fsr-3184	58	32	on	on	ADP
fsr-3184	58	33	financial	financial	ADJ
fsr-3184	58	34	satisfaction	satisfaction	NOUN
fsr-3184	58	35	,	,	PUNCT
fsr-3184	58	36	and	and	CCONJ
fsr-3184	58	37	the	the	DET
fsr-3184	58	38	effect	effect	NOUN
fsr-3184	58	39	of	of	ADP
fsr-3184	58	40	financial	financial	ADJ
fsr-3184	58	41	satisfaction	satisfaction	NOUN
fsr-3184	58	42	on	on	ADP
fsr-3184	58	43	career	career	NOUN
fsr-3184	58	44	satisfaction	satisfaction	NOUN
fsr-3184	58	45	.	.	PUNCT
fsr-3184	59	1	loibl	loibl	PROPN
fsr-3184	59	2	and	and	CCONJ
fsr-3184	59	3	hira	hira	PROPN
fsr-3184	59	4	(	(	PUNCT
fsr-3184	59	5	2005	2005	NUM
fsr-3184	59	6	)	)	PUNCT
fsr-3184	59	7	measure	measure	NOUN
fsr-3184	59	8	self	self	NOUN
fsr-3184	59	9	-	-	PUNCT
fsr-3184	59	10	directed	direct	VERB
fsr-3184	59	11	learning	learning	NOUN
fsr-3184	59	12	by	by	ADP
fsr-3184	59	13	examining	examine	VERB
fsr-3184	59	14	the	the	DET
fsr-3184	59	15	employee	employee	NOUN
fsr-3184	59	16	’s	’s	PART
fsr-3184	59	17	use	use	NOUN
fsr-3184	59	18	of	of	ADP
fsr-3184	59	19	four	four	NUM
fsr-3184	59	20	different	different	ADJ
fsr-3184	59	21	sources	source	NOUN
fsr-3184	59	22	of	of	ADP
fsr-3184	59	23	financial	financial	ADJ
fsr-3184	59	24	planning	planning	NOUN
fsr-3184	59	25	information	information	NOUN
fsr-3184	59	26	provided	provide	VERB
fsr-3184	59	27	in	in	ADP
fsr-3184	59	28	the	the	DET
fsr-3184	59	29	workplace	workplace	NOUN
fsr-3184	59	30	.	.	PUNCT
fsr-3184	60	1	furthermore	furthermore	ADV
fsr-3184	60	2	,	,	PUNCT
fsr-3184	60	3	researchers	researcher	NOUN
fsr-3184	60	4	measure	measure	VERB
fsr-3184	60	5	financial	financial	ADJ
fsr-3184	60	6	management	management	NOUN
fsr-3184	60	7	practices	practice	NOUN
fsr-3184	60	8	or	or	CCONJ
fsr-3184	60	9	financial	financial	ADJ
fsr-3184	60	10	behaviors	behavior	NOUN
fsr-3184	60	11	through	through	ADP
fsr-3184	60	12	surveys	survey	NOUN
fsr-3184	60	13	that	that	PRON
fsr-3184	60	14	ask	ask	VERB
fsr-3184	60	15	whether	whether	SCONJ
fsr-3184	60	16	participants	participant	NOUN
fsr-3184	60	17	save	save	VERB
fsr-3184	60	18	for	for	ADP
fsr-3184	60	19	goals	goal	NOUN
fsr-3184	60	20	,	,	PUNCT
fsr-3184	60	21	evaluate	evaluate	VERB
fsr-3184	60	22	their	their	PRON
fsr-3184	60	23	spending	spending	NOUN
fsr-3184	60	24	,	,	PUNCT
fsr-3184	60	25	and	and	CCONJ
fsr-3184	60	26	make	make	VERB
fsr-3184	60	27	plans	plan	NOUN
fsr-3184	60	28	about	about	ADP
fsr-3184	60	29	how	how	SCONJ
fsr-3184	60	30	to	to	PART
fsr-3184	60	31	use	use	VERB
fsr-3184	60	32	their	their	PRON
fsr-3184	60	33	money	money	NOUN
fsr-3184	60	34	(	(	PUNCT
fsr-3184	60	35	loibl	loibl	NOUN
fsr-3184	60	36	and	and	CCONJ
fsr-3184	60	37	hira	hira	PROPN
fsr-3184	60	38	,	,	PUNCT
fsr-3184	60	39	2005	2005	NUM
fsr-3184	60	40	)	)	PUNCT
fsr-3184	60	41	.	.	PUNCT
fsr-3184	61	1	subsequently	subsequently	ADV
fsr-3184	61	2	,	,	PUNCT
fsr-3184	61	3	researchers	researcher	NOUN
fsr-3184	61	4	find	find	VERB
fsr-3184	61	5	that	that	SCONJ
fsr-3184	61	6	financial	financial	ADJ
fsr-3184	61	7	planning	planning	NOUN
fsr-3184	61	8	material	material	NOUN
fsr-3184	61	9	that	that	PRON
fsr-3184	61	10	has	have	AUX
fsr-3184	61	11	been	be	AUX
fsr-3184	61	12	provided	provide	VERB
fsr-3184	61	13	through	through	ADP
fsr-3184	61	14	self	self	NOUN
fsr-3184	61	15	-	-	PUNCT
fsr-3184	61	16	directed	direct	VERB
fsr-3184	61	17	learning	learning	NOUN
fsr-3184	61	18	has	have	VERB
fsr-3184	61	19	a	a	DET
fsr-3184	61	20	significant	significant	ADJ
fsr-3184	61	21	and	and	CCONJ
fsr-3184	61	22	positive	positive	ADJ
fsr-3184	61	23	effect	effect	NOUN
fsr-3184	61	24	on	on	ADP
fsr-3184	61	25	low	low	ADJ
fsr-3184	61	26	-	-	PUNCT
fsr-3184	61	27	income	income	NOUN
fsr-3184	61	28	employees	employee	NOUN
fsr-3184	61	29	’	’	PART
fsr-3184	61	30	financial	financial	ADJ
fsr-3184	61	31	behaviors	behavior	NOUN
fsr-3184	61	32	,	,	PUNCT
fsr-3184	61	33	which	which	PRON
fsr-3184	61	34	in	in	ADP
fsr-3184	61	35	turn	turn	NOUN
fsr-3184	61	36	has	have	VERB
fsr-3184	61	37	a	a	DET
fsr-3184	61	38	significant	significant	ADJ
fsr-3184	61	39	and	and	CCONJ
fsr-3184	61	40	positive	positive	ADJ
fsr-3184	61	41	effect	effect	NOUN
fsr-3184	61	42	on	on	ADP
fsr-3184	61	43	financial	financial	ADJ
fsr-3184	61	44	satisfaction	satisfaction	NOUN
fsr-3184	61	45	,	,	PUNCT
fsr-3184	61	46	which	which	PRON
fsr-3184	61	47	ultimately	ultimately	ADV
fsr-3184	61	48	has	have	VERB
fsr-3184	61	49	a	a	DET
fsr-3184	61	50	significant	significant	ADJ
fsr-3184	61	51	and	and	CCONJ
fsr-3184	61	52	positive	positive	ADJ
fsr-3184	61	53	effect	effect	NOUN
fsr-3184	61	54	on	on	ADP
fsr-3184	61	55	career	career	NOUN
fsr-3184	61	56	satisfaction	satisfaction	NOUN
fsr-3184	61	57	(	(	PUNCT
fsr-3184	61	58	loibl	loibl	NOUN
fsr-3184	61	59	and	and	CCONJ
fsr-3184	61	60	hira	hira	PROPN
fsr-3184	61	61	,	,	PUNCT
fsr-3184	61	62	2005	2005	NUM
fsr-3184	61	63	)	)	PUNCT
fsr-3184	61	64	.	.	PUNCT
fsr-3184	62	1	next	next	ADV
fsr-3184	62	2	,	,	PUNCT
fsr-3184	62	3	rand	rand	NOUN
fsr-3184	62	4	(	(	PUNCT
fsr-3184	62	5	2004	2004	NUM
fsr-3184	62	6	)	)	PUNCT
fsr-3184	62	7	examines	examine	NOUN
fsr-3184	62	8	(	(	PUNCT
fsr-3184	62	9	1	1	X
fsr-3184	62	10	)	)	PUNCT
fsr-3184	62	11	the	the	DET
fsr-3184	62	12	relationship	relationship	NOUN
fsr-3184	62	13	between	between	ADP
fsr-3184	62	14	financial	financial	ADJ
fsr-3184	62	15	information	information	NOUN
fsr-3184	62	16	seminars	seminar	NOUN
fsr-3184	62	17	and	and	CCONJ
fsr-3184	62	18	the	the	DET
fsr-3184	62	19	financial	financial	ADJ
fsr-3184	62	20	knowledge	knowledge	NOUN
fsr-3184	62	21	of	of	ADP
fsr-3184	62	22	low	low	ADJ
fsr-3184	62	23	-	-	PUNCT
fsr-3184	62	24	income	income	NOUN
fsr-3184	62	25	workers	worker	NOUN
fsr-3184	62	26	and	and	CCONJ
fsr-3184	62	27	(	(	PUNCT
fsr-3184	62	28	2	2	X
fsr-3184	62	29	)	)	PUNCT
fsr-3184	62	30	the	the	DET
fsr-3184	62	31	relationship	relationship	NOUN
fsr-3184	62	32	between	between	ADP
fsr-3184	62	33	financial	financial	ADJ
fsr-3184	62	34	information	information	NOUN
fsr-3184	62	35	seminars	seminar	NOUN
fsr-3184	62	36	and	and	CCONJ
fsr-3184	62	37	low	low	ADJ
fsr-3184	62	38	-	-	PUNCT
fsr-3184	62	39	income	income	NOUN
fsr-3184	62	40	workers	worker	NOUN
fsr-3184	62	41	’	’	PART
fsr-3184	62	42	savings	saving	NOUN
fsr-3184	62	43	behaviors	behavior	NOUN
fsr-3184	62	44	.	.	PUNCT
fsr-3184	63	1	in	in	ADP
fsr-3184	63	2	rand	rand	NOUN
fsr-3184	63	3	’s	’s	PART
fsr-3184	63	4	(	(	PUNCT
fsr-3184	63	5	2004	2004	NUM
fsr-3184	63	6	)	)	PUNCT
fsr-3184	63	7	study	study	NOUN
fsr-3184	63	8	,	,	PUNCT
fsr-3184	63	9	low	low	ADJ
fsr-3184	63	10	-	-	PUNCT
fsr-3184	63	11	income	income	NOUN
fsr-3184	63	12	workers	worker	NOUN
fsr-3184	63	13	are	be	AUX
fsr-3184	63	14	defined	define	VERB
fsr-3184	63	15	as	as	ADP
fsr-3184	63	16	employees	employee	NOUN
fsr-3184	63	17	with	with	ADP
fsr-3184	63	18	household	household	NOUN
fsr-3184	63	19	income	income	NOUN
fsr-3184	63	20	less	less	ADJ
fsr-3184	63	21	than	than	ADP
fsr-3184	63	22	200	200	NUM
fsr-3184	63	23	%	%	NOUN
fsr-3184	63	24	of	of	ADP
fsr-3184	63	25	the	the	DET
fsr-3184	63	26	u.s	u.s	PROPN
fsr-3184	63	27	.	.	PROPN
fsr-3184	63	28	poverty	poverty	NOUN
fsr-3184	63	29	level	level	NOUN
fsr-3184	63	30	.	.	PUNCT
fsr-3184	64	1	rand	rand	NOUN
fsr-3184	64	2	(	(	PUNCT
fsr-3184	64	3	2004	2004	NUM
fsr-3184	64	4	)	)	PUNCT
fsr-3184	64	5	invites	invite	VERB
fsr-3184	64	6	822	822	NUM
fsr-3184	64	7	low	low	ADJ
fsr-3184	64	8	-	-	PUNCT
fsr-3184	64	9	income	income	NOUN
fsr-3184	64	10	workers	worker	NOUN
fsr-3184	64	11	to	to	PART
fsr-3184	64	12	participate	participate	VERB
fsr-3184	64	13	in	in	ADP
fsr-3184	64	14	a	a	DET
fsr-3184	64	15	financial	financial	ADJ
fsr-3184	64	16	information	information	NOUN
fsr-3184	64	17	seminar	seminar	NOUN
fsr-3184	64	18	,	,	PUNCT
fsr-3184	64	19	as	as	ADV
fsr-3184	64	20	well	well	ADV
fsr-3184	64	21	as	as	ADV
fsr-3184	64	22	complete	complete	ADJ
fsr-3184	64	23	a	a	DET
fsr-3184	64	24	pre	pre	ADJ
fsr-3184	64	25	-	-	ADJ
fsr-3184	64	26	post	post	ADJ
fsr-3184	64	27	financial	financial	ADJ
fsr-3184	64	28	knowledge	knowledge	NOUN
fsr-3184	64	29	exam	exam	NOUN
fsr-3184	64	30	.	.	PUNCT
fsr-3184	65	1	additionally	additionally	ADV
fsr-3184	65	2	,	,	PUNCT
fsr-3184	65	3	this	this	DET
fsr-3184	65	4	study	study	NOUN
fsr-3184	65	5	asks	ask	VERB
fsr-3184	65	6	participants	participant	NOUN
fsr-3184	65	7	to	to	PART
fsr-3184	65	8	save	save	VERB
fsr-3184	65	9	a	a	DET
fsr-3184	65	10	percentage	percentage	NOUN
fsr-3184	65	11	of	of	ADP
fsr-3184	65	12	their	their	PRON
fsr-3184	65	13	earned	earn	VERB
fsr-3184	65	14	income	income	NOUN
fsr-3184	65	15	toward	toward	ADP
fsr-3184	65	16	a	a	DET
fsr-3184	65	17	specific	specific	ADJ
fsr-3184	65	18	goal	goal	NOUN
fsr-3184	65	19	and	and	CCONJ
fsr-3184	65	20	agrees	agree	VERB
fsr-3184	65	21	to	to	PART
fsr-3184	65	22	match	match	VERB
fsr-3184	65	23	each	each	DET
fsr-3184	65	24	$	$	SYM
fsr-3184	65	25	1	1	NUM
fsr-3184	65	26	participants	participant	NOUN
fsr-3184	65	27	save	save	VERB
fsr-3184	65	28	with	with	ADP
fsr-3184	65	29	$	$	SYM
fsr-3184	65	30	2	2	NUM
fsr-3184	65	31	.	.	PUNCT
fsr-3184	65	32	rand	rand	NOUN
fsr-3184	65	33	(	(	PUNCT
fsr-3184	65	34	2004	2004	NUM
fsr-3184	65	35	)	)	PUNCT
fsr-3184	65	36	finds	find	VERB
fsr-3184	65	37	that	that	SCONJ
fsr-3184	65	38	financial	financial	ADJ
fsr-3184	65	39	information	information	NOUN
fsr-3184	65	40	seminars	seminar	NOUN
fsr-3184	65	41	improve	improve	VERB
fsr-3184	65	42	low	low	ADJ
fsr-3184	65	43	-	-	PUNCT
fsr-3184	65	44	income	income	NOUN
fsr-3184	65	45	workers	worker	NOUN
fsr-3184	65	46	’	’	PART
fsr-3184	65	47	financial	financial	ADJ
fsr-3184	65	48	knowledge	knowledge	NOUN
fsr-3184	65	49	as	as	ADV
fsr-3184	65	50	well	well	ADV
fsr-3184	65	51	as	as	ADP
fsr-3184	65	52	improve	improve	VERB
fsr-3184	65	53	their	their	PRON
fsr-3184	65	54	savings	saving	NOUN
fsr-3184	65	55	behavior	behavior	NOUN
fsr-3184	65	56	.	.	PUNCT
fsr-3184	66	1	28	28	NUM
fsr-3184	66	2	c.r	c.r	PROPN
fsr-3184	66	3	.	.	PROPN
fsr-3184	66	4	hudson	hudson	PROPN
fsr-3184	66	5	,	,	PUNCT
fsr-3184	66	6	l.	l.	PROPN
fsr-3184	66	7	palmer	palmer	PROPN
fsr-3184	66	8	/	/	SYM
fsr-3184	66	9	financial	financial	ADJ
fsr-3184	66	10	services	service	NOUN
fsr-3184	66	11	review	review	VERB
fsr-3184	66	12	23	23	NUM
fsr-3184	66	13	(	(	PUNCT
fsr-3184	66	14	2014	2014	NUM
fsr-3184	66	15	)	)	PUNCT
fsr-3184	66	16	25–43	25–43	NUM
fsr-3184	66	17	3.2	3.2	NUM
fsr-3184	66	18	.	.	PUNCT
fsr-3184	67	1	impact	impact	NOUN
fsr-3184	67	2	of	of	ADP
fsr-3184	67	3	financial	financial	ADJ
fsr-3184	67	4	information	information	NOUN
fsr-3184	67	5	on	on	ADP
fsr-3184	67	6	all	all	DET
fsr-3184	67	7	employees	employee	NOUN
fsr-3184	67	8	’	’	PART
fsr-3184	67	9	financial	financial	ADJ
fsr-3184	67	10	behaviors	behavior	NOUN
fsr-3184	67	11	bayer	bayer	PROPN
fsr-3184	67	12	et	et	PROPN
fsr-3184	67	13	al	al	PROPN
fsr-3184	67	14	.	.	PROPN
fsr-3184	68	1	(	(	PUNCT
fsr-3184	68	2	1996	1996	NUM
fsr-3184	68	3	)	)	PUNCT
fsr-3184	68	4	conduct	conduct	VERB
fsr-3184	68	5	one	one	NUM
fsr-3184	68	6	of	of	ADP
fsr-3184	68	7	the	the	DET
fsr-3184	68	8	early	early	ADJ
fsr-3184	68	9	workplace	workplace	NOUN
fsr-3184	68	10	financial	financial	ADJ
fsr-3184	68	11	education	education	NOUN
fsr-3184	68	12	studies	study	NOUN
fsr-3184	68	13	that	that	PRON
fsr-3184	68	14	examine	examine	VERB
fsr-3184	68	15	the	the	DET
fsr-3184	68	16	effects	effect	NOUN
fsr-3184	68	17	of	of	ADP
fsr-3184	68	18	financial	financial	ADJ
fsr-3184	68	19	education	education	NOUN
fsr-3184	68	20	on	on	ADP
fsr-3184	68	21	the	the	DET
fsr-3184	68	22	financial	financial	ADJ
fsr-3184	68	23	behaviors	behavior	NOUN
fsr-3184	68	24	of	of	ADP
fsr-3184	68	25	all	all	DET
fsr-3184	68	26	employees	employee	NOUN
fsr-3184	68	27	within	within	ADP
fsr-3184	68	28	the	the	DET
fsr-3184	68	29	workplace	workplace	NOUN
fsr-3184	68	30	.	.	PUNCT
fsr-3184	69	1	researchers	researcher	NOUN
fsr-3184	69	2	use	use	VERB
fsr-3184	69	3	a	a	DET
fsr-3184	69	4	kpmg	kpmg	PROPN
fsr-3184	69	5	peat	peat	NOUN
fsr-3184	69	6	marwick	marwick	PROPN
fsr-3184	69	7	retirement	retirement	PROPN
fsr-3184	69	8	benefit	benefit	NOUN
fsr-3184	69	9	survey	survey	NOUN
fsr-3184	69	10	and	and	CCONJ
fsr-3184	69	11	focus	focus	VERB
fsr-3184	69	12	on	on	ADP
fsr-3184	69	13	the	the	DET
fsr-3184	69	14	employer	employer	NOUN
fsr-3184	69	15	’s	’s	PART
fsr-3184	69	16	perspective	perspective	NOUN
fsr-3184	69	17	by	by	ADP
fsr-3184	69	18	surveying	survey	VERB
fsr-3184	69	19	employers	employer	NOUN
fsr-3184	69	20	about	about	ADP
fsr-3184	69	21	their	their	PRON
fsr-3184	69	22	company	company	NOUN
fsr-3184	69	23	’s	’s	PART
fsr-3184	69	24	retirement	retirement	NOUN
fsr-3184	69	25	plans	plan	NOUN
fsr-3184	69	26	and	and	CCONJ
fsr-3184	69	27	whether	whether	SCONJ
fsr-3184	69	28	they	they	PRON
fsr-3184	69	29	provide	provide	VERB
fsr-3184	69	30	workplace	workplace	ADJ
fsr-3184	69	31	financial	financial	ADJ
fsr-3184	69	32	education	education	NOUN
fsr-3184	69	33	sessions	session	NOUN
fsr-3184	69	34	or	or	CCONJ
fsr-3184	69	35	financial	financial	ADJ
fsr-3184	69	36	information	information	NOUN
fsr-3184	69	37	(	(	PUNCT
fsr-3184	69	38	bayer	bayer	PROPN
fsr-3184	69	39	et	et	PROPN
fsr-3184	69	40	al	al	PROPN
fsr-3184	69	41	.	.	PROPN
fsr-3184	69	42	,	,	PUNCT
fsr-3184	69	43	1996	1996	NUM
fsr-3184	69	44	)	)	PUNCT
fsr-3184	69	45	.	.	PUNCT
fsr-3184	70	1	in	in	ADP
fsr-3184	70	2	a	a	DET
fsr-3184	70	3	similar	similar	ADJ
fsr-3184	70	4	study	study	NOUN
fsr-3184	70	5	,	,	PUNCT
fsr-3184	70	6	bernheim	bernheim	PROPN
fsr-3184	70	7	and	and	CCONJ
fsr-3184	70	8	garrett	garrett	PROPN
fsr-3184	70	9	(	(	PUNCT
fsr-3184	70	10	2003	2003	NUM
fsr-3184	70	11	)	)	PUNCT
fsr-3184	70	12	likewise	likewise	ADV
fsr-3184	70	13	use	use	VERB
fsr-3184	70	14	data	datum	NOUN
fsr-3184	70	15	from	from	ADP
fsr-3184	70	16	the	the	DET
fsr-3184	70	17	kpmg	kpmg	PROPN
fsr-3184	70	18	survey	survey	NOUN
fsr-3184	70	19	but	but	CCONJ
fsr-3184	70	20	take	take	VERB
fsr-3184	70	21	a	a	DET
fsr-3184	70	22	different	different	ADJ
fsr-3184	70	23	approach	approach	NOUN
fsr-3184	70	24	by	by	ADP
fsr-3184	70	25	focusing	focus	VERB
fsr-3184	70	26	on	on	ADP
fsr-3184	70	27	the	the	DET
fsr-3184	70	28	employees	employee	NOUN
fsr-3184	70	29	’	’	PART
fsr-3184	70	30	perspective	perspective	NOUN
fsr-3184	70	31	.	.	PUNCT
fsr-3184	71	1	bernheim	bernheim	PROPN
fsr-3184	71	2	and	and	CCONJ
fsr-3184	71	3	garrett	garrett	PROPN
fsr-3184	71	4	(	(	PUNCT
fsr-3184	71	5	2003	2003	NUM
fsr-3184	71	6	)	)	PUNCT
fsr-3184	71	7	survey	survey	VERB
fsr-3184	71	8	employees	employee	NOUN
fsr-3184	71	9	about	about	ADP
fsr-3184	71	10	their	their	PRON
fsr-3184	71	11	exposure	exposure	NOUN
fsr-3184	71	12	to	to	ADP
fsr-3184	71	13	workplace	workplace	ADJ
fsr-3184	71	14	financial	financial	ADJ
fsr-3184	71	15	seminars	seminar	NOUN
fsr-3184	71	16	and	and	CCONJ
fsr-3184	71	17	financial	financial	ADJ
fsr-3184	71	18	information	information	NOUN
fsr-3184	71	19	and	and	CCONJ
fsr-3184	71	20	about	about	ADP
fsr-3184	71	21	their	their	PRON
fsr-3184	71	22	retirement	retirement	NOUN
fsr-3184	71	23	and	and	CCONJ
fsr-3184	71	24	personal	personal	ADJ
fsr-3184	71	25	savings	saving	NOUN
fsr-3184	71	26	.	.	PUNCT
fsr-3184	72	1	both	both	DET
fsr-3184	72	2	studies	study	NOUN
fsr-3184	72	3	find	find	VERB
fsr-3184	72	4	evidence	evidence	NOUN
fsr-3184	72	5	that	that	SCONJ
fsr-3184	72	6	workplace	workplace	ADJ
fsr-3184	72	7	financial	financial	ADJ
fsr-3184	72	8	education	education	NOUN
fsr-3184	72	9	have	have	AUX
fsr-3184	72	10	a	a	DET
fsr-3184	72	11	positive	positive	ADJ
fsr-3184	72	12	effect	effect	NOUN
fsr-3184	72	13	on	on	ADP
fsr-3184	72	14	the	the	DET
fsr-3184	72	15	financial	financial	ADJ
fsr-3184	72	16	behaviors	behavior	NOUN
fsr-3184	72	17	of	of	ADP
fsr-3184	72	18	all	all	DET
fsr-3184	72	19	employees	employee	NOUN
fsr-3184	72	20	.	.	PUNCT
fsr-3184	73	1	bayer	bayer	PROPN
fsr-3184	73	2	et	et	PROPN
fsr-3184	73	3	al	al	PROPN
fsr-3184	73	4	.	.	PROPN
fsr-3184	73	5	(	(	PUNCT
fsr-3184	73	6	1996	1996	NUM
fsr-3184	73	7	)	)	PUNCT
fsr-3184	73	8	find	find	VERB
fsr-3184	73	9	that	that	SCONJ
fsr-3184	73	10	employers	employer	NOUN
fsr-3184	73	11	who	who	PRON
fsr-3184	73	12	offer	offer	VERB
fsr-3184	73	13	some	some	DET
fsr-3184	73	14	form	form	NOUN
fsr-3184	73	15	of	of	ADP
fsr-3184	73	16	financial	financial	ADJ
fsr-3184	73	17	education	education	NOUN
fsr-3184	73	18	or	or	CCONJ
fsr-3184	73	19	information	information	NOUN
fsr-3184	73	20	have	have	VERB
fsr-3184	73	21	higher	high	ADJ
fsr-3184	73	22	retirement	retirement	NOUN
fsr-3184	73	23	plan	plan	NOUN
fsr-3184	73	24	participation	participation	NOUN
fsr-3184	73	25	and	and	CCONJ
fsr-3184	73	26	contribution	contribution	NOUN
fsr-3184	73	27	rates	rate	NOUN
fsr-3184	73	28	than	than	ADP
fsr-3184	73	29	those	those	DET
fsr-3184	73	30	employers	employer	NOUN
fsr-3184	73	31	who	who	PRON
fsr-3184	73	32	do	do	VERB
fsr-3184	73	33	not	not	PART
fsr-3184	73	34	.	.	PUNCT
fsr-3184	74	1	similarly	similarly	ADV
fsr-3184	74	2	,	,	PUNCT
fsr-3184	74	3	bernheim	bernheim	PROPN
fsr-3184	74	4	and	and	CCONJ
fsr-3184	74	5	garrett	garrett	PROPN
fsr-3184	74	6	(	(	PUNCT
fsr-3184	74	7	2003	2003	NUM
fsr-3184	74	8	)	)	PUNCT
fsr-3184	74	9	find	find	VERB
fsr-3184	74	10	that	that	SCONJ
fsr-3184	74	11	employees	employee	NOUN
fsr-3184	74	12	that	that	PRON
fsr-3184	74	13	have	have	AUX
fsr-3184	74	14	been	be	AUX
fsr-3184	74	15	exposed	expose	VERB
fsr-3184	74	16	to	to	ADP
fsr-3184	74	17	financial	financial	ADJ
fsr-3184	74	18	education	education	NOUN
fsr-3184	74	19	seminars	seminar	NOUN
fsr-3184	74	20	or	or	CCONJ
fsr-3184	74	21	financial	financial	ADJ
fsr-3184	74	22	information	information	NOUN
fsr-3184	74	23	in	in	ADP
fsr-3184	74	24	the	the	DET
fsr-3184	74	25	workplace	workplace	NOUN
fsr-3184	74	26	have	have	VERB
fsr-3184	74	27	higher	high	ADJ
fsr-3184	74	28	savings	saving	NOUN
fsr-3184	74	29	accumulation	accumulation	NOUN
fsr-3184	74	30	in	in	ADP
fsr-3184	74	31	their	their	PRON
fsr-3184	74	32	retirement	retirement	NOUN
fsr-3184	74	33	plans	plan	NOUN
fsr-3184	74	34	and	and	CCONJ
fsr-3184	74	35	higher	high	ADJ
fsr-3184	74	36	savings	saving	NOUN
fsr-3184	74	37	overall	overall	ADJ
fsr-3184	74	38	.	.	PUNCT
fsr-3184	75	1	in	in	ADP
fsr-3184	75	2	another	another	DET
fsr-3184	75	3	previous	previous	ADJ
fsr-3184	75	4	study	study	NOUN
fsr-3184	75	5	whose	whose	DET
fsr-3184	75	6	focus	focus	NOUN
fsr-3184	75	7	is	be	AUX
fsr-3184	75	8	all	all	DET
fsr-3184	75	9	employees	employee	NOUN
fsr-3184	75	10	,	,	PUNCT
fsr-3184	75	11	clark	clark	PROPN
fsr-3184	75	12	et	et	PROPN
fsr-3184	75	13	al	al	PROPN
fsr-3184	75	14	.	.	PROPN
fsr-3184	76	1	(	(	PUNCT
fsr-3184	76	2	2006	2006	NUM
fsr-3184	76	3	)	)	PUNCT
fsr-3184	76	4	conduct	conduct	VERB
fsr-3184	76	5	an	an	DET
fsr-3184	76	6	experiment	experiment	NOUN
fsr-3184	76	7	using	use	VERB
fsr-3184	76	8	university	university	NOUN
fsr-3184	76	9	employees	employee	NOUN
fsr-3184	76	10	to	to	PART
fsr-3184	76	11	examine	examine	VERB
fsr-3184	76	12	changes	change	NOUN
fsr-3184	76	13	in	in	ADP
fsr-3184	76	14	retirement	retirement	NOUN
fsr-3184	76	15	goals	goal	NOUN
fsr-3184	76	16	and	and	CCONJ
fsr-3184	76	17	savings	saving	NOUN
fsr-3184	76	18	behaviors	behavior	NOUN
fsr-3184	76	19	.	.	PUNCT
fsr-3184	77	1	these	these	DET
fsr-3184	77	2	university	university	NOUN
fsr-3184	77	3	employees	employee	NOUN
fsr-3184	77	4	participate	participate	VERB
fsr-3184	77	5	in	in	ADP
fsr-3184	77	6	a	a	DET
fsr-3184	77	7	one	one	NUM
fsr-3184	77	8	-	-	PUNCT
fsr-3184	77	9	hour	hour	NOUN
fsr-3184	77	10	seminar	seminar	NOUN
fsr-3184	77	11	on	on	ADP
fsr-3184	77	12	retirement	retirement	NOUN
fsr-3184	77	13	planning	planning	NOUN
fsr-3184	77	14	and	and	CCONJ
fsr-3184	77	15	goal	goal	NOUN
fsr-3184	77	16	setting	set	VERB
fsr-3184	77	17	and	and	CCONJ
fsr-3184	77	18	afterwards	afterwards	ADV
fsr-3184	77	19	researchers	researcher	NOUN
fsr-3184	77	20	collect	collect	VERB
fsr-3184	77	21	data	datum	NOUN
fsr-3184	77	22	before	before	ADP
fsr-3184	77	23	the	the	DET
fsr-3184	77	24	seminar	seminar	NOUN
fsr-3184	77	25	,	,	PUNCT
fsr-3184	77	26	after	after	ADP
fsr-3184	77	27	the	the	DET
fsr-3184	77	28	seminar	seminar	NOUN
fsr-3184	77	29	,	,	PUNCT
fsr-3184	77	30	and	and	CCONJ
fsr-3184	77	31	several	several	ADJ
fsr-3184	77	32	months	month	NOUN
fsr-3184	77	33	following	follow	VERB
fsr-3184	77	34	the	the	DET
fsr-3184	77	35	seminar	seminar	NOUN
fsr-3184	77	36	(	(	PUNCT
fsr-3184	77	37	clark	clark	PROPN
fsr-3184	77	38	et	et	PROPN
fsr-3184	77	39	al	al	PROPN
fsr-3184	77	40	.	.	PROPN
fsr-3184	77	41	,	,	PUNCT
fsr-3184	77	42	2006	2006	NUM
fsr-3184	77	43	)	)	PUNCT
fsr-3184	77	44	.	.	PUNCT
fsr-3184	78	1	similarly	similarly	ADV
fsr-3184	78	2	,	,	PUNCT
fsr-3184	78	3	dolvin	dolvin	NOUN
fsr-3184	78	4	and	and	CCONJ
fsr-3184	78	5	templeton	templeton	PROPN
fsr-3184	78	6	(	(	PUNCT
fsr-3184	78	7	2006	2006	NUM
fsr-3184	78	8	)	)	PUNCT
fsr-3184	78	9	conduct	conduct	VERB
fsr-3184	78	10	a	a	DET
fsr-3184	78	11	clinical	clinical	ADJ
fsr-3184	78	12	study	study	NOUN
fsr-3184	78	13	,	,	PUNCT
fsr-3184	78	14	within	within	ADP
fsr-3184	78	15	a	a	DET
fsr-3184	78	16	law	law	NOUN
fsr-3184	78	17	firm	firm	NOUN
fsr-3184	78	18	,	,	PUNCT
fsr-3184	78	19	with	with	ADP
fsr-3184	78	20	the	the	DET
fsr-3184	78	21	purpose	purpose	NOUN
fsr-3184	78	22	of	of	ADP
fsr-3184	78	23	examining	examine	VERB
fsr-3184	78	24	the	the	DET
fsr-3184	78	25	relationship	relationship	NOUN
fsr-3184	78	26	between	between	ADP
fsr-3184	78	27	participation	participation	NOUN
fsr-3184	78	28	in	in	ADP
fsr-3184	78	29	retirement	retirement	NOUN
fsr-3184	78	30	planning	planning	NOUN
fsr-3184	78	31	seminars	seminar	NOUN
fsr-3184	78	32	and	and	CCONJ
fsr-3184	78	33	employees	employee	NOUN
fsr-3184	78	34	’	’	PART
fsr-3184	78	35	asset	asset	NOUN
fsr-3184	78	36	allocation	allocation	NOUN
fsr-3184	78	37	decisions	decision	NOUN
fsr-3184	78	38	.	.	PUNCT
fsr-3184	79	1	in	in	ADP
fsr-3184	79	2	this	this	DET
fsr-3184	79	3	study	study	NOUN
fsr-3184	79	4	,	,	PUNCT
fsr-3184	79	5	the	the	DET
fsr-3184	79	6	law	law	NOUN
fsr-3184	79	7	firm	firm	NOUN
fsr-3184	79	8	offers	offer	VERB
fsr-3184	79	9	a	a	DET
fsr-3184	79	10	90	90	NUM
fsr-3184	79	11	-	-	PUNCT
fsr-3184	79	12	minute	minute	NOUN
fsr-3184	79	13	financial	financial	ADJ
fsr-3184	79	14	education	education	NOUN
fsr-3184	79	15	seminar	seminar	NOUN
fsr-3184	79	16	to	to	ADP
fsr-3184	79	17	its	its	PRON
fsr-3184	79	18	employees	employee	NOUN
fsr-3184	79	19	and	and	CCONJ
fsr-3184	79	20	these	these	DET
fsr-3184	79	21	employees	employee	NOUN
fsr-3184	79	22	are	be	AUX
fsr-3184	79	23	surveyed	survey	VERB
fsr-3184	79	24	about	about	ADP
fsr-3184	79	25	their	their	PRON
fsr-3184	79	26	participation	participation	NOUN
fsr-3184	79	27	in	in	ADP
fsr-3184	79	28	the	the	DET
fsr-3184	79	29	seminar	seminar	NOUN
fsr-3184	79	30	and	and	CCONJ
fsr-3184	79	31	about	about	ADP
fsr-3184	79	32	information	information	NOUN
fsr-3184	79	33	related	relate	VERB
fsr-3184	79	34	to	to	ADP
fsr-3184	79	35	their	their	PRON
fsr-3184	79	36	portfolios	portfolio	NOUN
fsr-3184	79	37	(	(	PUNCT
fsr-3184	79	38	dolvin	dolvin	NOUN
fsr-3184	79	39	and	and	CCONJ
fsr-3184	79	40	templeton	templeton	PROPN
fsr-3184	79	41	2006	2006	NUM
fsr-3184	79	42	)	)	PUNCT
fsr-3184	79	43	.	.	PUNCT
fsr-3184	80	1	both	both	DET
fsr-3184	80	2	studies	study	NOUN
fsr-3184	80	3	find	find	VERB
fsr-3184	80	4	evidence	evidence	NOUN
fsr-3184	80	5	that	that	SCONJ
fsr-3184	80	6	financial	financial	ADJ
fsr-3184	80	7	information	information	NOUN
fsr-3184	80	8	from	from	ADP
fsr-3184	80	9	formal	formal	ADJ
fsr-3184	80	10	advisors	advisor	NOUN
fsr-3184	80	11	has	have	AUX
fsr-3184	80	12	a	a	DET
fsr-3184	80	13	positive	positive	ADJ
fsr-3184	80	14	effect	effect	NOUN
fsr-3184	80	15	on	on	ADP
fsr-3184	80	16	the	the	DET
fsr-3184	80	17	employee	employee	NOUN
fsr-3184	80	18	’s	’s	PART
fsr-3184	80	19	financial	financial	ADJ
fsr-3184	80	20	behaviors	behavior	NOUN
fsr-3184	80	21	.	.	PUNCT
fsr-3184	81	1	clark	clark	PROPN
fsr-3184	81	2	et	et	PROPN
fsr-3184	81	3	al	al	PROPN
fsr-3184	81	4	.	.	PROPN
fsr-3184	82	1	(	(	PUNCT
fsr-3184	82	2	2006	2006	NUM
fsr-3184	82	3	)	)	PUNCT
fsr-3184	82	4	find	find	VERB
fsr-3184	82	5	that	that	SCONJ
fsr-3184	82	6	financial	financial	ADJ
fsr-3184	82	7	information	information	NOUN
fsr-3184	82	8	prompts	prompt	VERB
fsr-3184	82	9	a	a	DET
fsr-3184	82	10	significant	significant	ADJ
fsr-3184	82	11	number	number	NOUN
fsr-3184	82	12	of	of	ADP
fsr-3184	82	13	participants	participant	NOUN
fsr-3184	82	14	to	to	PART
fsr-3184	82	15	change	change	VERB
fsr-3184	82	16	their	their	PRON
fsr-3184	82	17	retirement	retirement	NOUN
fsr-3184	82	18	goals	goal	NOUN
fsr-3184	82	19	,	,	PUNCT
fsr-3184	82	20	modify	modify	VERB
fsr-3184	82	21	their	their	PRON
fsr-3184	82	22	savings	saving	NOUN
fsr-3184	82	23	contributions	contribution	NOUN
fsr-3184	82	24	,	,	PUNCT
fsr-3184	82	25	and	and	CCONJ
fsr-3184	82	26	reallocate	reallocate	VERB
fsr-3184	82	27	their	their	PRON
fsr-3184	82	28	investment	investment	NOUN
fsr-3184	82	29	funds	fund	NOUN
fsr-3184	82	30	.	.	PUNCT
fsr-3184	83	1	while	while	SCONJ
fsr-3184	83	2	,	,	PUNCT
fsr-3184	83	3	dolvin	dolvin	NOUN
fsr-3184	83	4	and	and	CCONJ
fsr-3184	83	5	templeton	templeton	PROPN
fsr-3184	83	6	(	(	PUNCT
fsr-3184	83	7	2006	2006	NUM
fsr-3184	83	8	)	)	PUNCT
fsr-3184	83	9	find	find	VERB
fsr-3184	83	10	that	that	SCONJ
fsr-3184	83	11	those	those	PRON
fsr-3184	83	12	who	who	PRON
fsr-3184	83	13	participate	participate	VERB
fsr-3184	83	14	in	in	ADP
fsr-3184	83	15	financial	financial	ADJ
fsr-3184	83	16	education	education	NOUN
fsr-3184	83	17	seminars	seminar	NOUN
fsr-3184	83	18	possess	possess	VERB
fsr-3184	83	19	more	more	ADV
fsr-3184	83	20	efficient	efficient	ADJ
fsr-3184	83	21	portfolios	portfolio	NOUN
fsr-3184	83	22	in	in	ADP
fsr-3184	83	23	their	their	PRON
fsr-3184	83	24	retirement	retirement	NOUN
fsr-3184	83	25	funds	fund	NOUN
fsr-3184	83	26	than	than	ADP
fsr-3184	83	27	those	those	PRON
fsr-3184	83	28	who	who	PRON
fsr-3184	83	29	do	do	VERB
fsr-3184	83	30	not	not	PART
fsr-3184	83	31	.	.	PUNCT
fsr-3184	84	1	4	4	X
fsr-3184	84	2	.	.	X
fsr-3184	84	3	methodology	methodology	NOUN
fsr-3184	84	4	4.1	4.1	NUM
fsr-3184	84	5	.	.	PUNCT
fsr-3184	85	1	data	datum	NOUN
fsr-3184	85	2	and	and	CCONJ
fsr-3184	85	3	sample	sample	NOUN
fsr-3184	85	4	this	this	DET
fsr-3184	85	5	study	study	NOUN
fsr-3184	85	6	uses	use	VERB
fsr-3184	85	7	data	datum	NOUN
fsr-3184	85	8	from	from	ADP
fsr-3184	85	9	the	the	DET
fsr-3184	85	10	2010	2010	NUM
fsr-3184	85	11	survey	survey	NOUN
fsr-3184	85	12	of	of	ADP
fsr-3184	85	13	consumer	consumer	NOUN
fsr-3184	85	14	finances	finance	NOUN
fsr-3184	85	15	(	(	PUNCT
fsr-3184	85	16	scf	scf	PROPN
fsr-3184	85	17	)	)	PUNCT
fsr-3184	85	18	.	.	PUNCT
fsr-3184	86	1	the	the	DET
fsr-3184	86	2	scf	scf	PROPN
fsr-3184	86	3	provides	provide	VERB
fsr-3184	86	4	information	information	NOUN
fsr-3184	86	5	about	about	ADP
fsr-3184	86	6	u.s	u.s	PROPN
fsr-3184	86	7	.	.	PROPN
fsr-3184	86	8	household	household	NOUN
fsr-3184	86	9	finances	finance	NOUN
fsr-3184	86	10	and	and	CCONJ
fsr-3184	86	11	contains	contain	VERB
fsr-3184	86	12	detailed	detailed	ADJ
fsr-3184	86	13	information	information	NOUN
fsr-3184	86	14	from	from	ADP
fsr-3184	86	15	household	household	NOUN
fsr-3184	86	16	balance	balance	NOUN
fsr-3184	86	17	sheets	sheet	NOUN
fsr-3184	86	18	and	and	CCONJ
fsr-3184	86	19	income	income	NOUN
fsr-3184	86	20	statements	statement	NOUN
fsr-3184	86	21	(	(	PUNCT
fsr-3184	86	22	kennickell	kennickell	INTJ
fsr-3184	86	23	,	,	PUNCT
fsr-3184	86	24	2007	2007	NUM
fsr-3184	86	25	)	)	PUNCT
fsr-3184	86	26	.	.	PUNCT
fsr-3184	87	1	moreover	moreover	ADV
fsr-3184	87	2	,	,	PUNCT
fsr-3184	87	3	the	the	DET
fsr-3184	87	4	scf	scf	PROPN
fsr-3184	87	5	29c.r	29c.r	NUM
fsr-3184	87	6	.	.	PUNCT
fsr-3184	88	1	hudson	hudson	PROPN
fsr-3184	88	2	,	,	PUNCT
fsr-3184	88	3	l.	l.	PROPN
fsr-3184	88	4	palmer	palmer	PROPN
fsr-3184	88	5	/	/	SYM
fsr-3184	88	6	financial	financial	ADJ
fsr-3184	88	7	services	service	NOUN
fsr-3184	88	8	review	review	VERB
fsr-3184	88	9	23	23	NUM
fsr-3184	88	10	(	(	PUNCT
fsr-3184	88	11	2014	2014	NUM
fsr-3184	88	12	)	)	PUNCT
fsr-3184	88	13	25–43	25–43	NUM
fsr-3184	88	14	includes	include	VERB
fsr-3184	88	15	demographic	demographic	ADJ
fsr-3184	88	16	and	and	CCONJ
fsr-3184	88	17	socioeconomic	socioeconomic	ADJ
fsr-3184	88	18	information	information	NOUN
fsr-3184	88	19	as	as	ADV
fsr-3184	88	20	well	well	ADV
fsr-3184	88	21	as	as	ADP
fsr-3184	88	22	information	information	NOUN
fsr-3184	88	23	relating	relate	VERB
fsr-3184	88	24	to	to	ADP
fsr-3184	88	25	financial	financial	ADJ
fsr-3184	88	26	behaviors	behavior	NOUN
fsr-3184	88	27	and	and	CCONJ
fsr-3184	88	28	financial	financial	ADJ
fsr-3184	88	29	attitudes	attitude	NOUN
fsr-3184	88	30	(	(	PUNCT
fsr-3184	88	31	kennickell	kennickell	NOUN
fsr-3184	88	32	,	,	PUNCT
fsr-3184	88	33	2007	2007	NUM
fsr-3184	88	34	)	)	PUNCT
fsr-3184	88	35	.	.	PUNCT
fsr-3184	89	1	the	the	DET
fsr-3184	89	2	employee	employee	NOUN
fsr-3184	89	3	subsample	subsample	NOUN
fsr-3184	89	4	within	within	ADP
fsr-3184	89	5	this	this	DET
fsr-3184	89	6	study	study	NOUN
fsr-3184	89	7	is	be	AUX
fsr-3184	89	8	created	create	VERB
fsr-3184	89	9	by	by	ADP
fsr-3184	89	10	segmenting	segment	VERB
fsr-3184	89	11	data	datum	NOUN
fsr-3184	89	12	within	within	ADP
fsr-3184	89	13	the	the	DET
fsr-3184	89	14	2010	2010	NUM
fsr-3184	89	15	scf	scf	NOUN
fsr-3184	89	16	by	by	ADP
fsr-3184	89	17	employment	employment	NOUN
fsr-3184	89	18	status	status	NOUN
fsr-3184	89	19	.	.	PUNCT
fsr-3184	90	1	among	among	ADP
fsr-3184	90	2	the	the	DET
fsr-3184	90	3	6,482	6,482	NUM
fsr-3184	90	4	households	household	NOUN
fsr-3184	90	5	,	,	PUNCT
fsr-3184	90	6	4,280	4,280	NUM
fsr-3184	90	7	or	or	CCONJ
fsr-3184	90	8	66	66	NUM
fsr-3184	90	9	%	%	NOUN
fsr-3184	90	10	are	be	AUX
fsr-3184	90	11	employees	employee	NOUN
fsr-3184	90	12	.	.	PUNCT
fsr-3184	91	1	this	this	DET
fsr-3184	91	2	employee	employee	NOUN
fsr-3184	91	3	sample	sample	NOUN
fsr-3184	91	4	includes	include	VERB
fsr-3184	91	5	individuals	individual	NOUN
fsr-3184	91	6	who	who	PRON
fsr-3184	91	7	reports	report	VERB
fsr-3184	91	8	working	work	VERB
fsr-3184	91	9	at	at	ADP
fsr-3184	91	10	the	the	DET
fsr-3184	91	11	time	time	NOUN
fsr-3184	91	12	of	of	ADP
fsr-3184	91	13	the	the	DET
fsr-3184	91	14	survey	survey	NOUN
fsr-3184	91	15	,	,	PUNCT
fsr-3184	91	16	including	include	VERB
fsr-3184	91	17	those	those	PRON
fsr-3184	91	18	who	who	PRON
fsr-3184	91	19	are	be	AUX
fsr-3184	91	20	working	work	VERB
fsr-3184	91	21	temporarily	temporarily	ADV
fsr-3184	91	22	or	or	CCONJ
fsr-3184	91	23	seasonally	seasonally	ADV
fsr-3184	91	24	and	and	CCONJ
fsr-3184	91	25	those	those	PRON
fsr-3184	91	26	who	who	PRON
fsr-3184	91	27	are	be	AUX
fsr-3184	91	28	self	self	NOUN
fsr-3184	91	29	-	-	PUNCT
fsr-3184	91	30	employed	employ	VERB
fsr-3184	91	31	.	.	PUNCT
fsr-3184	92	1	this	this	DET
fsr-3184	92	2	larger	large	ADJ
fsr-3184	92	3	employee	employee	NOUN
fsr-3184	92	4	sample	sample	NOUN
fsr-3184	92	5	is	be	AUX
fsr-3184	92	6	further	far	ADV
fsr-3184	92	7	segmented	segment	VERB
fsr-3184	92	8	to	to	PART
fsr-3184	92	9	create	create	VERB
fsr-3184	92	10	three	three	NUM
fsr-3184	92	11	subsamples	subsample	NOUN
fsr-3184	92	12	based	base	VERB
fsr-3184	92	13	on	on	ADP
fsr-3184	92	14	income	income	NOUN
fsr-3184	92	15	and	and	CCONJ
fsr-3184	92	16	household	household	NOUN
fsr-3184	92	17	size	size	NOUN
fsr-3184	92	18	.	.	PUNCT
fsr-3184	93	1	low	low	ADJ
fsr-3184	93	2	-	-	PUNCT
fsr-3184	93	3	income	income	NOUN
fsr-3184	93	4	employees	employee	NOUN
fsr-3184	93	5	are	be	AUX
fsr-3184	93	6	defined	define	VERB
fsr-3184	93	7	as	as	ADP
fsr-3184	93	8	employees	employee	NOUN
fsr-3184	93	9	with	with	ADP
fsr-3184	93	10	household	household	NOUN
fsr-3184	93	11	incomes	income	NOUN
fsr-3184	93	12	less	less	ADJ
fsr-3184	93	13	than	than	ADP
fsr-3184	93	14	or	or	CCONJ
fsr-3184	93	15	equal	equal	ADJ
fsr-3184	93	16	to	to	ADP
fsr-3184	93	17	200	200	NUM
fsr-3184	93	18	%	%	NOUN
fsr-3184	93	19	of	of	ADP
fsr-3184	93	20	the	the	DET
fsr-3184	93	21	2010	2010	NUM
fsr-3184	93	22	u.s	u.s	PROPN
fsr-3184	93	23	.	.	PROPN
fsr-3184	93	24	poverty	poverty	NOUN
fsr-3184	93	25	level	level	NOUN
fsr-3184	93	26	.	.	PUNCT
fsr-3184	94	1	middle	middle	ADJ
fsr-3184	94	2	-	-	PUNCT
fsr-3184	94	3	income	income	NOUN
fsr-3184	94	4	employees	employee	NOUN
fsr-3184	94	5	are	be	AUX
fsr-3184	94	6	defined	define	VERB
fsr-3184	94	7	as	as	ADP
fsr-3184	94	8	employees	employee	NOUN
fsr-3184	94	9	with	with	ADP
fsr-3184	94	10	household	household	NOUN
fsr-3184	94	11	incomes	income	NOUN
fsr-3184	94	12	greater	great	ADJ
fsr-3184	94	13	than	than	ADP
fsr-3184	94	14	200	200	NUM
fsr-3184	94	15	%	%	NOUN
fsr-3184	94	16	and	and	CCONJ
fsr-3184	94	17	less	less	ADJ
fsr-3184	94	18	than	than	ADP
fsr-3184	94	19	and	and	CCONJ
fsr-3184	94	20	equal	equal	ADJ
fsr-3184	94	21	to	to	ADP
fsr-3184	94	22	494	494	NUM
fsr-3184	94	23	%	%	NOUN
fsr-3184	94	24	of	of	ADP
fsr-3184	94	25	the	the	DET
fsr-3184	94	26	2010	2010	NUM
fsr-3184	94	27	u.s	u.s	PROPN
fsr-3184	94	28	.	.	PROPN
fsr-3184	94	29	poverty	poverty	NOUN
fsr-3184	94	30	level	level	NOUN
fsr-3184	94	31	.	.	PUNCT
fsr-3184	95	1	finally	finally	ADV
fsr-3184	95	2	,	,	PUNCT
fsr-3184	95	3	high	high	ADJ
fsr-3184	95	4	-	-	PUNCT
fsr-3184	95	5	income	income	NOUN
fsr-3184	95	6	employees	employee	NOUN
fsr-3184	95	7	are	be	AUX
fsr-3184	95	8	defined	define	VERB
fsr-3184	95	9	as	as	ADP
fsr-3184	95	10	employees	employee	NOUN
fsr-3184	95	11	with	with	ADP
fsr-3184	95	12	household	household	NOUN
fsr-3184	95	13	incomes	income	NOUN
fsr-3184	95	14	greater	great	ADJ
fsr-3184	95	15	than	than	ADP
fsr-3184	95	16	494	494	NUM
fsr-3184	95	17	%	%	NOUN
fsr-3184	95	18	of	of	ADP
fsr-3184	95	19	the	the	DET
fsr-3184	95	20	2010	2010	NUM
fsr-3184	95	21	u.s	u.s	PROPN
fsr-3184	95	22	.	.	PROPN
fsr-3184	95	23	poverty	poverty	NOUN
fsr-3184	95	24	level	level	NOUN
fsr-3184	95	25	(	(	PUNCT
fsr-3184	95	26	u.s	u.s	PROPN
fsr-3184	95	27	.	.	PROPN
fsr-3184	95	28	department	department	PROPN
fsr-3184	95	29	of	of	ADP
fsr-3184	95	30	health	health	PROPN
fsr-3184	95	31	and	and	CCONJ
fsr-3184	95	32	human	human	PROPN
fsr-3184	95	33	services	service	NOUN
fsr-3184	95	34	,	,	PUNCT
fsr-3184	95	35	2010	2010	NUM
fsr-3184	95	36	)	)	PUNCT
fsr-3184	95	37	.	.	PUNCT
fsr-3184	96	1	the	the	DET
fsr-3184	96	2	employee	employee	NOUN
fsr-3184	96	3	subsamples	subsample	VERB
fsr-3184	96	4	’	'	PUNCT
fsr-3184	96	5	income	income	NOUN
fsr-3184	96	6	levels	level	NOUN
fsr-3184	96	7	by	by	ADP
fsr-3184	96	8	household	household	NOUN
fsr-3184	96	9	sizes	size	NOUN
fsr-3184	96	10	are	be	AUX
fsr-3184	96	11	listed	list	VERB
fsr-3184	96	12	in	in	ADP
fsr-3184	96	13	table	table	NOUN
fsr-3184	96	14	1	1	NUM
fsr-3184	96	15	.	.	X
fsr-3184	96	16	4.2	4.2	NUM
fsr-3184	96	17	.	.	PUNCT
fsr-3184	97	1	financial	financial	ADJ
fsr-3184	97	2	behaviors	behavior	NOUN
fsr-3184	97	3	researchers	researcher	NOUN
fsr-3184	97	4	find	find	VERB
fsr-3184	97	5	that	that	SCONJ
fsr-3184	97	6	financial	financial	ADJ
fsr-3184	97	7	information	information	NOUN
fsr-3184	97	8	increases	increase	VERB
fsr-3184	97	9	financial	financial	ADJ
fsr-3184	97	10	knowledge	knowledge	NOUN
fsr-3184	97	11	,	,	PUNCT
fsr-3184	97	12	which	which	PRON
fsr-3184	97	13	in	in	ADP
fsr-3184	97	14	turn	turn	NOUN
fsr-3184	97	15	improves	improve	VERB
fsr-3184	97	16	financial	financial	ADJ
fsr-3184	97	17	behaviors	behavior	NOUN
fsr-3184	97	18	(	(	PUNCT
fsr-3184	97	19	hogarth	hogarth	NOUN
fsr-3184	97	20	,	,	PUNCT
fsr-3184	97	21	beverly	beverly	ADV
fsr-3184	97	22	,	,	PUNCT
fsr-3184	97	23	and	and	CCONJ
fsr-3184	97	24	hilgert	hilgert	PROPN
fsr-3184	97	25	,	,	PUNCT
fsr-3184	97	26	2003	2003	NUM
fsr-3184	97	27	)	)	PUNCT
fsr-3184	97	28	.	.	PUNCT
fsr-3184	98	1	for	for	ADP
fsr-3184	98	2	this	this	DET
fsr-3184	98	3	reason	reason	NOUN
fsr-3184	98	4	,	,	PUNCT
fsr-3184	98	5	researchers	researcher	NOUN
fsr-3184	98	6	of	of	ADP
fsr-3184	98	7	this	this	DET
fsr-3184	98	8	study	study	NOUN
fsr-3184	98	9	choose	choose	VERB
fsr-3184	98	10	to	to	PART
fsr-3184	98	11	examine	examine	VERB
fsr-3184	98	12	the	the	DET
fsr-3184	98	13	relationship	relationship	NOUN
fsr-3184	98	14	between	between	ADP
fsr-3184	98	15	the	the	DET
fsr-3184	98	16	use	use	NOUN
fsr-3184	98	17	of	of	ADP
fsr-3184	98	18	financial	financial	ADJ
fsr-3184	98	19	information	information	NOUN
fsr-3184	98	20	from	from	ADP
fsr-3184	98	21	formal	formal	ADJ
fsr-3184	98	22	advisors	advisor	NOUN
fsr-3184	98	23	and	and	CCONJ
fsr-3184	98	24	the	the	DET
fsr-3184	98	25	financial	financial	ADJ
fsr-3184	98	26	behaviors	behavior	NOUN
fsr-3184	98	27	of	of	ADP
fsr-3184	98	28	low	low	ADJ
fsr-3184	98	29	-	-	PUNCT
fsr-3184	98	30	income	income	NOUN
fsr-3184	98	31	employees	employee	NOUN
fsr-3184	98	32	.	.	PUNCT
fsr-3184	99	1	thus	thus	ADV
fsr-3184	99	2	,	,	PUNCT
fsr-3184	99	3	the	the	DET
fsr-3184	99	4	key	key	ADJ
fsr-3184	99	5	variables	variable	NOUN
fsr-3184	99	6	for	for	ADP
fsr-3184	99	7	this	this	DET
fsr-3184	99	8	study	study	NOUN
fsr-3184	99	9	are	be	AUX
fsr-3184	99	10	specific	specific	ADJ
fsr-3184	99	11	financial	financial	ADJ
fsr-3184	99	12	behaviors	behavior	NOUN
fsr-3184	99	13	which	which	PRON
fsr-3184	99	14	are	be	AUX
fsr-3184	99	15	operationalized	operationalize	VERB
fsr-3184	99	16	and	and	CCONJ
fsr-3184	99	17	measured	measure	VERB
fsr-3184	99	18	using	use	VERB
fsr-3184	99	19	data	datum	NOUN
fsr-3184	99	20	from	from	ADP
fsr-3184	99	21	select	select	ADJ
fsr-3184	99	22	financial	financial	ADJ
fsr-3184	99	23	behavior	behavior	NOUN
fsr-3184	99	24	questions	question	NOUN
fsr-3184	99	25	within	within	ADP
fsr-3184	99	26	the	the	DET
fsr-3184	99	27	2010	2010	NUM
fsr-3184	99	28	scf	scf	PROPN
fsr-3184	99	29	.	.	PUNCT
fsr-3184	100	1	researchers	researcher	NOUN
fsr-3184	100	2	assume	assume	VERB
fsr-3184	100	3	that	that	SCONJ
fsr-3184	100	4	any	any	DET
fsr-3184	100	5	one	one	NUM
fsr-3184	100	6	of	of	ADP
fsr-3184	100	7	these	these	DET
fsr-3184	100	8	10	10	NUM
fsr-3184	100	9	financial	financial	ADJ
fsr-3184	100	10	behaviors	behavior	NOUN
fsr-3184	100	11	is	be	AUX
fsr-3184	100	12	equally	equally	ADV
fsr-3184	100	13	likely	likely	ADJ
fsr-3184	100	14	to	to	PART
fsr-3184	100	15	occur	occur	VERB
fsr-3184	100	16	and	and	CCONJ
fsr-3184	100	17	that	that	SCONJ
fsr-3184	100	18	income	income	NOUN
fsr-3184	100	19	does	do	AUX
fsr-3184	100	20	not	not	PART
fsr-3184	100	21	preclude	preclude	VERB
fsr-3184	100	22	the	the	DET
fsr-3184	100	23	practice	practice	NOUN
fsr-3184	100	24	of	of	ADP
fsr-3184	100	25	any	any	PRON
fsr-3184	100	26	of	of	ADP
fsr-3184	100	27	these	these	DET
fsr-3184	100	28	behaviors	behavior	NOUN
fsr-3184	100	29	.	.	PUNCT
fsr-3184	101	1	all	all	DET
fsr-3184	101	2	variables	variable	NOUN
fsr-3184	101	3	are	be	AUX
fsr-3184	101	4	binary	binary	ADJ
fsr-3184	101	5	and	and	CCONJ
fsr-3184	101	6	all	all	DET
fsr-3184	101	7	“	"	PUNCT
fsr-3184	101	8	yes	yes	ADJ
fsr-3184	101	9	”	"	PUNCT
fsr-3184	101	10	responses	response	NOUN
fsr-3184	101	11	are	be	AUX
fsr-3184	101	12	considered	consider	VERB
fsr-3184	101	13	good	good	ADJ
fsr-3184	101	14	or	or	CCONJ
fsr-3184	101	15	acceptable	acceptable	ADJ
fsr-3184	101	16	financial	financial	ADJ
fsr-3184	101	17	behaviors	behavior	NOUN
fsr-3184	101	18	(	(	PUNCT
fsr-3184	101	19	coded	code	VERB
fsr-3184	101	20	as	as	ADP
fsr-3184	101	21	1	1	NUM
fsr-3184	101	22	)	)	PUNCT
fsr-3184	101	23	and	and	CCONJ
fsr-3184	101	24	all	all	DET
fsr-3184	101	25	no	no	DET
fsr-3184	101	26	responses	response	NOUN
fsr-3184	101	27	are	be	AUX
fsr-3184	101	28	considered	consider	VERB
fsr-3184	101	29	bad	bad	ADJ
fsr-3184	101	30	or	or	CCONJ
fsr-3184	101	31	unacceptable	unacceptable	ADJ
fsr-3184	101	32	financial	financial	ADJ
fsr-3184	101	33	behaviors	behavior	NOUN
fsr-3184	101	34	(	(	PUNCT
fsr-3184	101	35	coded	code	VERB
fsr-3184	101	36	as	as	ADP
fsr-3184	101	37	0	0	NUM
fsr-3184	101	38	)	)	PUNCT
fsr-3184	101	39	.	.	PUNCT
fsr-3184	102	1	the	the	DET
fsr-3184	102	2	10	10	NUM
fsr-3184	102	3	financial	financial	ADJ
fsr-3184	102	4	behavior	behavior	NOUN
fsr-3184	102	5	questions	question	NOUN
fsr-3184	102	6	are	be	AUX
fsr-3184	102	7	grouped	group	VERB
fsr-3184	102	8	into	into	ADP
fsr-3184	102	9	measures	measure	NOUN
fsr-3184	102	10	of	of	ADP
fsr-3184	102	11	cash	cash	NOUN
fsr-3184	102	12	-	-	PUNCT
fsr-3184	102	13	flow	flow	NOUN
fsr-3184	102	14	management	management	NOUN
fsr-3184	102	15	table	table	NOUN
fsr-3184	102	16	1	1	NUM
fsr-3184	102	17	income	income	NOUN
fsr-3184	102	18	segmentation	segmentation	NOUN
fsr-3184	102	19	of	of	ADP
fsr-3184	102	20	the	the	DET
fsr-3184	102	21	three	three	NUM
fsr-3184	102	22	income	income	NOUN
fsr-3184	102	23	subsamples	subsample	NOUN
fsr-3184	102	24	household	household	NOUN
fsr-3184	102	25	size	size	NOUN
fsr-3184	102	26	2010	2010	NUM
fsr-3184	102	27	u.s	u.s	PROPN
fsr-3184	102	28	.	.	PROPN
fsr-3184	102	29	poverty	poverty	PROPN
fsr-3184	102	30	levela	levela	PROPN
fsr-3184	102	31	low	low	ADJ
fsr-3184	102	32	-	-	PUNCT
fsr-3184	102	33	income	income	NOUN
fsr-3184	102	34	medium	medium	ADJ
fsr-3184	102	35	-	-	PUNCT
fsr-3184	102	36	income	income	NOUN
fsr-3184	102	37	high	high	ADJ
fsr-3184	102	38	-	-	PUNCT
fsr-3184	102	39	income	income	NOUN
fsr-3184	102	40	"	"	PUNCT
fsr-3184	102	41	or	or	CCONJ
fsr-3184	102	42	equal	equal	ADJ
fsr-3184	102	43	to	to	ADP
fsr-3184	102	44	greater	great	ADJ
fsr-3184	102	45	than	than	ADP
fsr-3184	102	46	"	"	PUNCT
fsr-3184	102	47	or	or	CCONJ
fsr-3184	102	48	equal	equal	ADJ
fsr-3184	102	49	to	to	ADP
fsr-3184	102	50	greater	great	ADJ
fsr-3184	102	51	than	than	ADP
fsr-3184	102	52	1	1	NUM
fsr-3184	102	53	$	$	SYM
fsr-3184	102	54	10,800	10,800	NUM
fsr-3184	102	55	$	$	SYM
fsr-3184	102	56	21,660	21,660	NUM
fsr-3184	102	57	$	$	SYM
fsr-3184	102	58	21,660	21,660	NUM
fsr-3184	102	59	$	$	SYM
fsr-3184	102	60	53,500	53,500	NUM
fsr-3184	102	61	$	$	SYM
fsr-3184	102	62	53,500	53,500	NUM
fsr-3184	102	63	2	2	NUM
fsr-3184	102	64	14,570	14,570	NUM
fsr-3184	102	65	29,140	29,140	NUM
fsr-3184	102	66	29,140	29,140	NUM
fsr-3184	102	67	71,976	71,976	NUM
fsr-3184	102	68	71,976	71,976	NUM
fsr-3184	102	69	3	3	NUM
fsr-3184	102	70	18,310	18,310	NUM
fsr-3184	102	71	36,620	36,620	NUM
fsr-3184	102	72	36,620	36,620	NUM
fsr-3184	102	73	90,451	90,451	NUM
fsr-3184	102	74	90,451	90,451	NUM
fsr-3184	102	75	4	4	NUM
fsr-3184	102	76	22,050	22,050	NUM
fsr-3184	102	77	44,100	44,100	NUM
fsr-3184	103	1	44,100	44,100	NUM
fsr-3184	103	2	108,927	108,927	NUM
fsr-3184	103	3	108,927	108,927	NUM
fsr-3184	103	4	5	5	NUM
fsr-3184	103	5	25,790	25,790	NUM
fsr-3184	103	6	51,580	51,580	NUM
fsr-3184	103	7	51,580	51,580	NUM
fsr-3184	103	8	127,403	127,403	NUM
fsr-3184	103	9	127,403	127,403	NUM
fsr-3184	103	10	6	6	NUM
fsr-3184	103	11	29,530	29,530	NUM
fsr-3184	103	12	57,060	57,060	NUM
fsr-3184	103	13	57,060	57,060	NUM
fsr-3184	103	14	145,878	145,878	NUM
fsr-3184	103	15	145,878	145,878	NUM
fsr-3184	103	16	7	7	NUM
fsr-3184	103	17	33,270	33,270	NUM
fsr-3184	103	18	66,540	66,540	NUM
fsr-3184	103	19	66,540	66,540	NUM
fsr-3184	103	20	164,353	164,353	NUM
fsr-3184	103	21	164,353	164,353	NUM
fsr-3184	103	22	8	8	NUM
fsr-3184	103	23	37,010	37,010	NUM
fsr-3184	103	24	74,020	74,020	NUM
fsr-3184	103	25	74,020	74,020	NUM
fsr-3184	103	26	182,829	182,829	NUM
fsr-3184	103	27	182,829	182,829	NUM
fsr-3184	103	28	note	note	NOUN
fsr-3184	103	29	.	.	PUNCT
fsr-3184	104	1	au.s	au.s	PROPN
fsr-3184	104	2	.	.	PUNCT
fsr-3184	105	1	2010	2010	NUM
fsr-3184	105	2	poverty	poverty	NOUN
fsr-3184	105	3	level	level	NOUN
fsr-3184	105	4	.	.	PUNCT
fsr-3184	106	1	adapted	adapt	VERB
fsr-3184	106	2	from	from	ADP
fsr-3184	106	3	“	"	PUNCT
fsr-3184	106	4	the	the	DET
fsr-3184	106	5	2010	2010	NUM
fsr-3184	106	6	human	human	ADJ
fsr-3184	106	7	health	health	NOUN
fsr-3184	106	8	services	service	NOUN
fsr-3184	106	9	poverty	poverty	NOUN
fsr-3184	106	10	guidelines	guideline	NOUN
fsr-3184	106	11	”	"	PUNCT
fsr-3184	106	12	by	by	ADP
fsr-3184	106	13	the	the	DET
fsr-3184	106	14	u.s	u.s	PROPN
fsr-3184	106	15	.	.	PROPN
fsr-3184	106	16	department	department	PROPN
fsr-3184	106	17	of	of	ADP
fsr-3184	106	18	health	health	PROPN
fsr-3184	106	19	and	and	CCONJ
fsr-3184	106	20	human	human	PROPN
fsr-3184	106	21	services	service	NOUN
fsr-3184	106	22	(	(	PUNCT
fsr-3184	106	23	2010	2010	NUM
fsr-3184	106	24	)	)	PUNCT
fsr-3184	106	25	(	(	PUNCT
fsr-3184	106	26	available	available	ADJ
fsr-3184	106	27	at	at	ADP
fsr-3184	106	28	http://aspe.hhs.gov/poverty/10poverty	http://aspe.hhs.gov/poverty/10poverty	PROPN
fsr-3184	106	29	.	.	PUNCT
fsr-3184	107	1	shtml	shtml	PROPN
fsr-3184	107	2	)	)	PUNCT
fsr-3184	107	3	.	.	PUNCT
fsr-3184	108	1	30	30	NUM
fsr-3184	108	2	c.r	c.r	PROPN
fsr-3184	108	3	.	.	PROPN
fsr-3184	108	4	hudson	hudson	PROPN
fsr-3184	108	5	,	,	PUNCT
fsr-3184	108	6	l.	l.	PROPN
fsr-3184	108	7	palmer	palmer	PROPN
fsr-3184	108	8	/	/	SYM
fsr-3184	108	9	financial	financial	ADJ
fsr-3184	108	10	services	service	NOUN
fsr-3184	108	11	review	review	VERB
fsr-3184	108	12	23	23	NUM
fsr-3184	108	13	(	(	PUNCT
fsr-3184	108	14	2014	2014	NUM
fsr-3184	108	15	)	)	PUNCT
fsr-3184	108	16	25–43	25–43	NUM
fsr-3184	108	17	and	and	CCONJ
fsr-3184	108	18	measures	measure	NOUN
fsr-3184	108	19	of	of	ADP
fsr-3184	108	20	savings	saving	NOUN
fsr-3184	108	21	.	.	PUNCT
fsr-3184	109	1	in	in	ADP
fsr-3184	109	2	the	the	DET
fsr-3184	109	3	cash	cash	NOUN
fsr-3184	109	4	-	-	PUNCT
fsr-3184	109	5	flow	flow	NOUN
fsr-3184	109	6	management	management	NOUN
fsr-3184	109	7	category	category	NOUN
fsr-3184	109	8	,	,	PUNCT
fsr-3184	109	9	five	five	NUM
fsr-3184	109	10	financial	financial	ADJ
fsr-3184	109	11	behavior	behavior	NOUN
fsr-3184	109	12	variables	variable	NOUN
fsr-3184	109	13	represent	represent	VERB
fsr-3184	109	14	employee	employee	NOUN
fsr-3184	109	15	’s	’s	PART
fsr-3184	109	16	cash	cash	NOUN
fsr-3184	109	17	-	-	PUNCT
fsr-3184	109	18	flow	flow	NOUN
fsr-3184	109	19	management	management	NOUN
fsr-3184	109	20	behaviors	behavior	NOUN
fsr-3184	109	21	.	.	PUNCT
fsr-3184	110	1	examples	example	NOUN
fsr-3184	110	2	of	of	ADP
fsr-3184	110	3	these	these	DET
fsr-3184	110	4	variables	variable	NOUN
fsr-3184	110	5	include	include	VERB
fsr-3184	110	6	,	,	PUNCT
fsr-3184	110	7	having	have	VERB
fsr-3184	110	8	a	a	DET
fsr-3184	110	9	checking	checking	ADJ
fsr-3184	110	10	account	account	NOUN
fsr-3184	110	11	(	(	PUNCT
fsr-3184	110	12	checking	checking	NOUN
fsr-3184	110	13	)	)	PUNCT
fsr-3184	110	14	,	,	PUNCT
fsr-3184	110	15	and	and	CCONJ
fsr-3184	110	16	whether	whether	SCONJ
fsr-3184	110	17	loans	loan	NOUN
fsr-3184	110	18	are	be	AUX
fsr-3184	110	19	paid	pay	VERB
fsr-3184	110	20	on	on	ADP
fsr-3184	110	21	schedule	schedule	NOUN
fsr-3184	110	22	or	or	CCONJ
fsr-3184	110	23	ahead	ahead	ADV
fsr-3184	110	24	of	of	ADP
fsr-3184	110	25	schedule	schedule	NOUN
fsr-3184	110	26	(	(	PUNCT
fsr-3184	110	27	loans	loan	NOUN
fsr-3184	110	28	on	on	ADP
fsr-3184	110	29	time	time	NOUN
fsr-3184	110	30	)	)	PUNCT
fsr-3184	110	31	.	.	PUNCT
fsr-3184	111	1	conversely	conversely	ADV
fsr-3184	111	2	,	,	PUNCT
fsr-3184	111	3	in	in	ADP
fsr-3184	111	4	the	the	DET
fsr-3184	111	5	savings	saving	NOUN
fsr-3184	111	6	category	category	NOUN
fsr-3184	111	7	,	,	PUNCT
fsr-3184	111	8	five	five	NUM
fsr-3184	111	9	financial	financial	ADJ
fsr-3184	111	10	behavior	behavior	NOUN
fsr-3184	111	11	variables	variable	NOUN
fsr-3184	111	12	represent	represent	VERB
fsr-3184	111	13	employees	employee	NOUN
fsr-3184	111	14	’	’	PART
fsr-3184	111	15	savings	saving	NOUN
fsr-3184	111	16	behaviors	behavior	NOUN
fsr-3184	111	17	.	.	PUNCT
fsr-3184	112	1	two	two	NUM
fsr-3184	112	2	of	of	ADP
fsr-3184	112	3	these	these	DET
fsr-3184	112	4	savings	saving	NOUN
fsr-3184	112	5	variables	variable	NOUN
fsr-3184	112	6	are	be	AUX
fsr-3184	112	7	,	,	PUNCT
fsr-3184	112	8	whether	whether	SCONJ
fsr-3184	112	9	employees	employee	NOUN
fsr-3184	112	10	have	have	VERB
fsr-3184	112	11	a	a	DET
fsr-3184	112	12	savings	savings	NOUN
fsr-3184	112	13	account	account	NOUN
fsr-3184	112	14	(	(	PUNCT
fsr-3184	112	15	savings	saving	NOUN
fsr-3184	112	16	)	)	PUNCT
fsr-3184	112	17	and	and	CCONJ
fsr-3184	112	18	whether	whether	SCONJ
fsr-3184	112	19	employees	employee	NOUN
fsr-3184	112	20	save	save	VERB
fsr-3184	112	21	on	on	ADP
fsr-3184	112	22	a	a	DET
fsr-3184	112	23	monthly	monthly	ADJ
fsr-3184	112	24	basis	basis	NOUN
fsr-3184	112	25	(	(	PUNCT
fsr-3184	112	26	save	save	VERB
fsr-3184	112	27	)	)	PUNCT
fsr-3184	112	28	.	.	PUNCT
fsr-3184	113	1	next	next	ADJ
fsr-3184	113	2	,	,	PUNCT
fsr-3184	113	3	financial	financial	ADJ
fsr-3184	113	4	behavior	behavior	NOUN
fsr-3184	113	5	indices	index	NOUN
fsr-3184	113	6	are	be	AUX
fsr-3184	113	7	created	create	VERB
fsr-3184	113	8	to	to	PART
fsr-3184	113	9	rank	rank	VERB
fsr-3184	113	10	an	an	DET
fsr-3184	113	11	employee	employee	NOUN
fsr-3184	113	12	’s	’s	PART
fsr-3184	113	13	savings	saving	NOUN
fsr-3184	113	14	behaviors	behavior	NOUN
fsr-3184	113	15	(	(	PUNCT
fsr-3184	113	16	savings	saving	NOUN
fsr-3184	113	17	index	index	NOUN
fsr-3184	113	18	)	)	PUNCT
fsr-3184	113	19	and	and	CCONJ
fsr-3184	113	20	cash	cash	NOUN
fsr-3184	113	21	-	-	PUNCT
fsr-3184	113	22	flow	flow	NOUN
fsr-3184	113	23	management	management	NOUN
fsr-3184	113	24	behaviors	behavior	NOUN
fsr-3184	113	25	(	(	PUNCT
fsr-3184	113	26	cash	cash	NOUN
fsr-3184	113	27	-	-	PUNCT
fsr-3184	113	28	flow	flow	NOUN
fsr-3184	113	29	index	index	NOUN
fsr-3184	113	30	)	)	PUNCT
fsr-3184	113	31	as	as	ADP
fsr-3184	113	32	low	low	ADJ
fsr-3184	113	33	,	,	PUNCT
fsr-3184	113	34	medium	medium	ADJ
fsr-3184	113	35	,	,	PUNCT
fsr-3184	113	36	or	or	CCONJ
fsr-3184	113	37	high	high	ADJ
fsr-3184	113	38	.	.	PUNCT
fsr-3184	114	1	a	a	DET
fsr-3184	114	2	high	high	ADJ
fsr-3184	114	3	ranking	ranking	NOUN
fsr-3184	114	4	represents	represent	VERB
fsr-3184	114	5	a	a	DET
fsr-3184	114	6	response	response	NOUN
fsr-3184	114	7	of	of	ADP
fsr-3184	114	8	“	"	PUNCT
fsr-3184	114	9	1	1	NUM
fsr-3184	114	10	”	"	PUNCT
fsr-3184	114	11	to	to	ADP
fsr-3184	114	12	70	70	NUM
fsr-3184	114	13	%	%	NOUN
fsr-3184	114	14	or	or	CCONJ
fsr-3184	114	15	more	more	ADJ
fsr-3184	114	16	of	of	ADP
fsr-3184	114	17	the	the	DET
fsr-3184	114	18	financial	financial	ADJ
fsr-3184	114	19	behavior	behavior	NOUN
fsr-3184	114	20	variables	variable	VERB
fsr-3184	114	21	.	.	PUNCT
fsr-3184	115	1	a	a	DET
fsr-3184	115	2	medium	medium	ADJ
fsr-3184	115	3	ranking	ranking	NOUN
fsr-3184	115	4	represents	represent	VERB
fsr-3184	115	5	a	a	DET
fsr-3184	115	6	response	response	NOUN
fsr-3184	115	7	of	of	ADP
fsr-3184	115	8	“	"	PUNCT
fsr-3184	115	9	1	1	NUM
fsr-3184	115	10	”	"	PUNCT
fsr-3184	115	11	to	to	ADP
fsr-3184	115	12	more	more	ADJ
fsr-3184	115	13	than	than	ADP
fsr-3184	115	14	25	25	NUM
fsr-3184	115	15	%	%	NOUN
fsr-3184	115	16	but	but	CCONJ
fsr-3184	115	17	less	less	ADJ
fsr-3184	115	18	than	than	ADP
fsr-3184	115	19	70	70	NUM
fsr-3184	115	20	%	%	NOUN
fsr-3184	115	21	of	of	ADP
fsr-3184	115	22	the	the	DET
fsr-3184	115	23	financial	financial	ADJ
fsr-3184	115	24	behavior	behavior	NOUN
fsr-3184	115	25	variables	variable	VERB
fsr-3184	115	26	.	.	PUNCT
fsr-3184	116	1	a	a	DET
fsr-3184	116	2	low	low	ADJ
fsr-3184	116	3	ranking	ranking	NOUN
fsr-3184	116	4	represents	represent	VERB
fsr-3184	116	5	a	a	DET
fsr-3184	116	6	response	response	NOUN
fsr-3184	116	7	of	of	ADP
fsr-3184	116	8	“	"	PUNCT
fsr-3184	116	9	1	1	NUM
fsr-3184	116	10	”	"	PUNCT
fsr-3184	116	11	to	to	ADP
fsr-3184	116	12	25	25	NUM
fsr-3184	116	13	%	%	NOUN
fsr-3184	116	14	or	or	CCONJ
fsr-3184	116	15	less	less	ADJ
fsr-3184	116	16	of	of	ADP
fsr-3184	116	17	the	the	DET
fsr-3184	116	18	financial	financial	ADJ
fsr-3184	116	19	behavior	behavior	NOUN
fsr-3184	116	20	variables	variable	VERB
fsr-3184	116	21	.	.	PUNCT
fsr-3184	117	1	all	all	DET
fsr-3184	117	2	financial	financial	ADJ
fsr-3184	117	3	behavior	behavior	NOUN
fsr-3184	117	4	variables	variable	NOUN
fsr-3184	117	5	and	and	CCONJ
fsr-3184	117	6	indexes	index	NOUN
fsr-3184	117	7	are	be	AUX
fsr-3184	117	8	listed	list	VERB
fsr-3184	117	9	in	in	ADP
fsr-3184	117	10	table	table	NOUN
fsr-3184	117	11	2	2	NUM
fsr-3184	117	12	.	.	X
fsr-3184	117	13	4.3	4.3	NUM
fsr-3184	117	14	.	.	PUNCT
fsr-3184	118	1	information	information	NOUN
fsr-3184	118	2	source	source	NOUN
fsr-3184	118	3	variables	variable	NOUN
fsr-3184	118	4	literature	literature	PROPN
fsr-3184	118	5	suggests	suggest	VERB
fsr-3184	118	6	that	that	SCONJ
fsr-3184	118	7	low	low	ADJ
fsr-3184	118	8	-	-	PUNCT
fsr-3184	118	9	income	income	NOUN
fsr-3184	118	10	employees	employee	NOUN
fsr-3184	118	11	obtain	obtain	VERB
fsr-3184	118	12	their	their	PRON
fsr-3184	118	13	financial	financial	ADJ
fsr-3184	118	14	information	information	NOUN
fsr-3184	118	15	from	from	ADP
fsr-3184	118	16	informal	informal	ADJ
fsr-3184	118	17	advisors	advisor	NOUN
fsr-3184	118	18	or	or	CCONJ
fsr-3184	118	19	informal	informal	ADJ
fsr-3184	118	20	sources	source	NOUN
fsr-3184	118	21	that	that	PRON
fsr-3184	118	22	can	can	AUX
fsr-3184	118	23	include	include	VERB
fsr-3184	118	24	family	family	NOUN
fsr-3184	118	25	,	,	PUNCT
fsr-3184	118	26	friends	friend	NOUN
fsr-3184	118	27	,	,	PUNCT
fsr-3184	118	28	spouses	spouse	NOUN
fsr-3184	118	29	,	,	PUNCT
fsr-3184	118	30	or	or	CCONJ
fsr-3184	118	31	themselves	themselves	PRON
fsr-3184	118	32	(	(	PUNCT
fsr-3184	118	33	olsen	olsen	NOUN
fsr-3184	118	34	and	and	CCONJ
fsr-3184	118	35	whitman	whitman	PROPN
fsr-3184	118	36	,	,	PUNCT
fsr-3184	118	37	2007	2007	NUM
fsr-3184	118	38	)	)	PUNCT
fsr-3184	118	39	.	.	PUNCT
fsr-3184	119	1	however	however	ADV
fsr-3184	119	2	,	,	PUNCT
fsr-3184	119	3	low	low	ADJ
fsr-3184	119	4	-	-	PUNCT
fsr-3184	119	5	income	income	NOUN
fsr-3184	119	6	employees	employee	NOUN
fsr-3184	119	7	have	have	AUX
fsr-3184	119	8	expressed	express	VERB
fsr-3184	119	9	a	a	DET
fsr-3184	119	10	desire	desire	NOUN
fsr-3184	119	11	to	to	PART
fsr-3184	119	12	receive	receive	VERB
fsr-3184	119	13	information	information	NOUN
fsr-3184	119	14	from	from	ADP
fsr-3184	119	15	formal	formal	ADJ
fsr-3184	119	16	advisors	advisor	NOUN
fsr-3184	119	17	as	as	ADV
fsr-3184	119	18	long	long	ADV
fsr-3184	119	19	as	as	SCONJ
fsr-3184	119	20	that	that	DET
fsr-3184	119	21	information	information	NOUN
fsr-3184	119	22	is	be	AUX
fsr-3184	119	23	affordable	affordable	ADJ
fsr-3184	119	24	(	(	PUNCT
fsr-3184	119	25	garman	garman	NOUN
fsr-3184	119	26	and	and	CCONJ
fsr-3184	119	27	kim	kim	PROPN
fsr-3184	119	28	,	,	PUNCT
fsr-3184	119	29	2003	2003	NUM
fsr-3184	119	30	)	)	PUNCT
fsr-3184	119	31	.	.	PUNCT
fsr-3184	120	1	an	an	DET
fsr-3184	120	2	information	information	NOUN
fsr-3184	120	3	source	source	NOUN
fsr-3184	120	4	variable	variable	NOUN
fsr-3184	120	5	is	be	AUX
fsr-3184	120	6	used	use	VERB
fsr-3184	120	7	in	in	ADP
fsr-3184	120	8	this	this	DET
fsr-3184	120	9	study	study	NOUN
fsr-3184	120	10	to	to	PART
fsr-3184	120	11	assess	assess	VERB
fsr-3184	120	12	employees	employee	NOUN
fsr-3184	120	13	’	’	PART
fsr-3184	120	14	source	source	NOUN
fsr-3184	120	15	of	of	ADP
fsr-3184	120	16	financial	financial	ADJ
fsr-3184	120	17	information	information	NOUN
fsr-3184	120	18	based	base	VERB
fsr-3184	120	19	on	on	ADP
fsr-3184	120	20	their	their	PRON
fsr-3184	120	21	responses	response	NOUN
fsr-3184	120	22	to	to	ADP
fsr-3184	120	23	the	the	DET
fsr-3184	120	24	following	follow	VERB
fsr-3184	120	25	questions	question	NOUN
fsr-3184	120	26	:	:	PUNCT
fsr-3184	120	27	“	"	PUNCT
fsr-3184	120	28	what	what	PRON
fsr-3184	120	29	sources	source	NOUN
fsr-3184	120	30	of	of	ADP
fsr-3184	120	31	information	information	NOUN
fsr-3184	120	32	do	do	AUX
fsr-3184	120	33	you	you	PRON
fsr-3184	120	34	use	use	VERB
fsr-3184	120	35	to	to	PART
fsr-3184	120	36	make	make	VERB
fsr-3184	120	37	decisions	decision	NOUN
fsr-3184	120	38	about	about	ADP
fsr-3184	120	39	savings	saving	NOUN
fsr-3184	120	40	and	and	CCONJ
fsr-3184	120	41	investments	investment	NOUN
fsr-3184	120	42	?	?	PUNCT
fsr-3184	120	43	”	"	PUNCT
fsr-3184	121	1	the	the	DET
fsr-3184	121	2	formal	formal	ADJ
fsr-3184	121	3	advisor	advisor	NOUN
fsr-3184	121	4	category	category	NOUN
fsr-3184	121	5	consists	consist	VERB
fsr-3184	121	6	of	of	ADP
fsr-3184	121	7	responses	response	NOUN
fsr-3184	121	8	that	that	PRON
fsr-3184	121	9	include	include	VERB
fsr-3184	121	10	information	information	NOUN
fsr-3184	121	11	from	from	ADP
fsr-3184	121	12	a	a	DET
fsr-3184	121	13	financial	financial	ADJ
fsr-3184	121	14	planner	planner	NOUN
fsr-3184	121	15	,	,	PUNCT
fsr-3184	121	16	a	a	DET
fsr-3184	121	17	broker	broker	NOUN
fsr-3184	121	18	,	,	PUNCT
fsr-3184	121	19	a	a	DET
fsr-3184	121	20	banker	banker	NOUN
fsr-3184	121	21	,	,	PUNCT
fsr-3184	121	22	an	an	DET
fsr-3184	121	23	accountant	accountant	NOUN
fsr-3184	121	24	,	,	PUNCT
fsr-3184	121	25	an	an	DET
fsr-3184	121	26	insurance	insurance	NOUN
fsr-3184	121	27	agent	agent	NOUN
fsr-3184	121	28	,	,	PUNCT
fsr-3184	121	29	a	a	DET
fsr-3184	121	30	lawyer	lawyer	NOUN
fsr-3184	121	31	,	,	PUNCT
fsr-3184	121	32	or	or	CCONJ
fsr-3184	121	33	material	material	NOUN
fsr-3184	121	34	from	from	ADP
fsr-3184	121	35	work	work	NOUN
fsr-3184	121	36	or	or	CCONJ
fsr-3184	121	37	business	business	NOUN
fsr-3184	121	38	contact	contact	NOUN
fsr-3184	121	39	.	.	PUNCT
fsr-3184	122	1	the	the	DET
fsr-3184	122	2	informal	informal	ADJ
fsr-3184	122	3	advisor	advisor	NOUN
fsr-3184	122	4	category	category	NOUN
fsr-3184	122	5	consists	consist	VERB
fsr-3184	122	6	of	of	ADP
fsr-3184	122	7	responses	response	NOUN
fsr-3184	122	8	that	that	PRON
fsr-3184	122	9	include	include	VERB
fsr-3184	122	10	information	information	NOUN
fsr-3184	122	11	from	from	ADP
fsr-3184	122	12	friends	friend	NOUN
fsr-3184	122	13	and	and	CCONJ
fsr-3184	122	14	family	family	NOUN
fsr-3184	122	15	,	,	PUNCT
fsr-3184	122	16	self	self	NOUN
fsr-3184	122	17	,	,	PUNCT
fsr-3184	122	18	personal	personal	ADJ
fsr-3184	122	19	experience	experience	NOUN
fsr-3184	122	20	,	,	PUNCT
fsr-3184	122	21	other	other	ADJ
fsr-3184	122	22	personal	personal	ADJ
fsr-3184	122	23	research	research	NOUN
fsr-3184	122	24	,	,	PUNCT
fsr-3184	122	25	as	as	ADV
fsr-3184	122	26	well	well	ADV
fsr-3184	122	27	as	as	ADP
fsr-3184	122	28	“	"	PUNCT
fsr-3184	122	29	do	do	AUX
fsr-3184	122	30	not	not	PART
fsr-3184	122	31	shop	shop	VERB
fsr-3184	122	32	around	around	ADP
fsr-3184	122	33	,	,	PUNCT
fsr-3184	122	34	”	"	PUNCT
fsr-3184	122	35	and	and	CCONJ
fsr-3184	122	36	“	"	PUNCT
fsr-3184	122	37	do	do	AUX
fsr-3184	122	38	not	not	PART
fsr-3184	122	39	save	save	VERB
fsr-3184	122	40	or	or	CCONJ
fsr-3184	122	41	invest	invest	VERB
fsr-3184	122	42	.	.	PUNCT
fsr-3184	122	43	”	"	PUNCT
fsr-3184	123	1	the	the	DET
fsr-3184	123	2	2010	2010	NUM
fsr-3184	123	3	scf	scf	PROPN
fsr-3184	123	4	question	question	NOUN
fsr-3184	123	5	includes	include	VERB
fsr-3184	123	6	two	two	NUM
fsr-3184	123	7	information	information	NOUN
fsr-3184	123	8	source	source	NOUN
fsr-3184	123	9	options	option	NOUN
fsr-3184	123	10	which	which	PRON
fsr-3184	123	11	are	be	AUX
fsr-3184	123	12	difficult	difficult	ADJ
fsr-3184	123	13	to	to	PART
fsr-3184	123	14	interpret	interpret	VERB
fsr-3184	123	15	.	.	PUNCT
fsr-3184	124	1	the	the	DET
fsr-3184	124	2	“	"	PUNCT
fsr-3184	124	3	do	do	AUX
fsr-3184	124	4	not	not	PART
fsr-3184	124	5	shop	shop	VERB
fsr-3184	124	6	around	around	ADV
fsr-3184	124	7	”	"	PUNCT
fsr-3184	124	8	response	response	NOUN
fsr-3184	124	9	is	be	AUX
fsr-3184	124	10	coded	code	VERB
fsr-3184	124	11	as	as	ADP
fsr-3184	124	12	an	an	DET
fsr-3184	124	13	informal	informal	ADJ
fsr-3184	124	14	advisor	advisor	NOUN
fsr-3184	124	15	because	because	SCONJ
fsr-3184	124	16	individuals	individual	NOUN
fsr-3184	124	17	are	be	AUX
fsr-3184	124	18	relying	rely	VERB
fsr-3184	124	19	solely	solely	ADV
fsr-3184	124	20	on	on	ADP
fsr-3184	124	21	“	"	PUNCT
fsr-3184	124	22	themselves	themselves	PRON
fsr-3184	124	23	,	,	PUNCT
fsr-3184	124	24	”	"	PUNCT
fsr-3184	124	25	which	which	PRON
fsr-3184	124	26	is	be	AUX
fsr-3184	124	27	also	also	ADV
fsr-3184	124	28	coded	code	VERB
fsr-3184	124	29	as	as	ADP
fsr-3184	124	30	an	an	DET
fsr-3184	124	31	informal	informal	ADJ
fsr-3184	124	32	advisor	advisor	NOUN
fsr-3184	124	33	.	.	PUNCT
fsr-3184	125	1	individuals	individual	NOUN
fsr-3184	125	2	who	who	PRON
fsr-3184	125	3	indicated	indicate	VERB
fsr-3184	125	4	they	they	PRON
fsr-3184	125	5	“	"	PUNCT
fsr-3184	125	6	do	do	AUX
fsr-3184	125	7	not	not	PART
fsr-3184	125	8	save	save	VERB
fsr-3184	125	9	or	or	CCONJ
fsr-3184	125	10	invest	invest	VERB
fsr-3184	125	11	”	"	PUNCT
fsr-3184	125	12	are	be	AUX
fsr-3184	125	13	also	also	ADV
fsr-3184	125	14	grouped	group	VERB
fsr-3184	125	15	with	with	ADP
fsr-3184	125	16	the	the	DET
fsr-3184	125	17	informal	informal	ADJ
fsr-3184	125	18	advisor	advisor	NOUN
fsr-3184	125	19	category	category	NOUN
fsr-3184	125	20	because	because	SCONJ
fsr-3184	125	21	they	they	PRON
fsr-3184	125	22	did	do	AUX
fsr-3184	125	23	not	not	PART
fsr-3184	125	24	indicate	indicate	VERB
fsr-3184	125	25	any	any	DET
fsr-3184	125	26	information	information	NOUN
fsr-3184	125	27	source	source	NOUN
fsr-3184	125	28	and	and	CCONJ
fsr-3184	125	29	implicitly	implicitly	ADV
fsr-3184	125	30	do	do	AUX
fsr-3184	125	31	not	not	PART
fsr-3184	125	32	seek	seek	VERB
fsr-3184	125	33	out	out	ADP
fsr-3184	125	34	information	information	NOUN
fsr-3184	125	35	regarding	regard	VERB
fsr-3184	125	36	saving	save	VERB
fsr-3184	125	37	or	or	CCONJ
fsr-3184	125	38	investing	investing	NOUN
fsr-3184	125	39	,	,	PUNCT
fsr-3184	125	40	but	but	CCONJ
fsr-3184	125	41	again	again	ADV
fsr-3184	125	42	rely	rely	VERB
fsr-3184	125	43	on	on	ADP
fsr-3184	125	44	“	"	PUNCT
fsr-3184	125	45	themselves	themselves	PRON
fsr-3184	125	46	.	.	PUNCT
fsr-3184	125	47	”	"	PUNCT
fsr-3184	126	1	the	the	DET
fsr-3184	126	2	public	public	ADJ
fsr-3184	126	3	source	source	NOUN
fsr-3184	126	4	category	category	NOUN
fsr-3184	126	5	consists	consist	VERB
fsr-3184	126	6	of	of	ADP
fsr-3184	126	7	responses	response	NOUN
fsr-3184	126	8	that	that	PRON
fsr-3184	126	9	include	include	VERB
fsr-3184	126	10	calling	call	VERB
fsr-3184	126	11	around	around	ADV
fsr-3184	126	12	,	,	PUNCT
fsr-3184	126	13	magazines	magazine	NOUN
fsr-3184	126	14	/	/	SYM
fsr-3184	126	15	newspapers	newspaper	NOUN
fsr-3184	126	16	,	,	PUNCT
fsr-3184	126	17	material	material	NOUN
fsr-3184	126	18	in	in	ADP
fsr-3184	126	19	the	the	DET
fsr-3184	126	20	mail	mail	NOUN
fsr-3184	126	21	,	,	PUNCT
fsr-3184	126	22	online/	online/	NUM
fsr-3184	126	23	internet	internet	NOUN
fsr-3184	126	24	,	,	PUNCT
fsr-3184	126	25	advertising	advertising	NOUN
fsr-3184	126	26	and	and	CCONJ
fsr-3184	126	27	tv	tv	NOUN
fsr-3184	126	28	(	(	PUNCT
fsr-3184	126	29	olsen	olsen	NOUN
fsr-3184	126	30	and	and	CCONJ
fsr-3184	126	31	whitman	whitman	PROPN
fsr-3184	126	32	,	,	PUNCT
fsr-3184	126	33	2007	2007	NUM
fsr-3184	126	34	)	)	PUNCT
fsr-3184	126	35	.	.	PUNCT
fsr-3184	127	1	table	table	NOUN
fsr-3184	127	2	2	2	NUM
fsr-3184	127	3	contains	contain	VERB
fsr-3184	127	4	the	the	DET
fsr-3184	127	5	information	information	NOUN
fsr-3184	127	6	source	source	NOUN
fsr-3184	127	7	variable	variable	NOUN
fsr-3184	127	8	and	and	CCONJ
fsr-3184	127	9	their	their	PRON
fsr-3184	127	10	measurements	measurement	NOUN
fsr-3184	127	11	.	.	PUNCT
fsr-3184	128	1	4.4	4.4	NUM
fsr-3184	128	2	.	.	PUNCT
fsr-3184	129	1	other	other	ADJ
fsr-3184	129	2	variables	variable	NOUN
fsr-3184	129	3	researchers	researcher	NOUN
fsr-3184	129	4	find	find	VERB
fsr-3184	129	5	evidence	evidence	NOUN
fsr-3184	129	6	of	of	ADP
fsr-3184	129	7	a	a	DET
fsr-3184	129	8	significant	significant	ADJ
fsr-3184	129	9	relationship	relationship	NOUN
fsr-3184	129	10	between	between	ADP
fsr-3184	129	11	other	other	ADJ
fsr-3184	129	12	variables	variable	NOUN
fsr-3184	129	13	and	and	CCONJ
fsr-3184	129	14	good	good	ADJ
fsr-3184	129	15	,	,	PUNCT
fsr-3184	129	16	or	or	CCONJ
fsr-3184	129	17	acceptable	acceptable	ADJ
fsr-3184	129	18	,	,	PUNCT
fsr-3184	129	19	financial	financial	ADJ
fsr-3184	129	20	behaviors	behavior	NOUN
fsr-3184	129	21	.	.	PUNCT
fsr-3184	130	1	therefore	therefore	ADV
fsr-3184	130	2	,	,	PUNCT
fsr-3184	130	3	these	these	DET
fsr-3184	130	4	variables	variable	NOUN
fsr-3184	130	5	are	be	AUX
fsr-3184	130	6	identified	identify	VERB
fsr-3184	130	7	and	and	CCONJ
fsr-3184	130	8	controlled	control	VERB
fsr-3184	130	9	for	for	ADP
fsr-3184	130	10	in	in	ADP
fsr-3184	130	11	an	an	DET
fsr-3184	130	12	attempt	attempt	NOUN
fsr-3184	130	13	to	to	PART
fsr-3184	130	14	examine	examine	VERB
fsr-3184	130	15	the	the	DET
fsr-3184	130	16	relationship	relationship	NOUN
fsr-3184	130	17	between	between	ADP
fsr-3184	130	18	the	the	DET
fsr-3184	130	19	use	use	NOUN
fsr-3184	130	20	of	of	ADP
fsr-3184	130	21	financial	financial	ADJ
fsr-3184	130	22	information	information	NOUN
fsr-3184	130	23	from	from	ADP
fsr-3184	130	24	31c.r	31c.r	NUM
fsr-3184	130	25	.	.	PUNCT
fsr-3184	131	1	hudson	hudson	PROPN
fsr-3184	131	2	,	,	PUNCT
fsr-3184	131	3	l.	l.	PROPN
fsr-3184	131	4	palmer	palmer	PROPN
fsr-3184	131	5	/	/	SYM
fsr-3184	131	6	financial	financial	ADJ
fsr-3184	131	7	services	service	NOUN
fsr-3184	131	8	review	review	VERB
fsr-3184	131	9	23	23	NUM
fsr-3184	131	10	(	(	PUNCT
fsr-3184	131	11	2014	2014	NUM
fsr-3184	131	12	)	)	PUNCT
fsr-3184	131	13	25–43	25–43	NUM
fsr-3184	131	14	formal	formal	ADJ
fsr-3184	131	15	advisors	advisor	NOUN
fsr-3184	131	16	and	and	CCONJ
fsr-3184	131	17	the	the	DET
fsr-3184	131	18	financial	financial	ADJ
fsr-3184	131	19	behaviors	behavior	NOUN
fsr-3184	131	20	of	of	ADP
fsr-3184	131	21	low	low	ADJ
fsr-3184	131	22	-	-	PUNCT
fsr-3184	131	23	income	income	NOUN
fsr-3184	131	24	employees	employee	NOUN
fsr-3184	131	25	.	.	PUNCT
fsr-3184	132	1	one	one	NUM
fsr-3184	132	2	relevant	relevant	ADJ
fsr-3184	132	3	variable	variable	NOUN
fsr-3184	132	4	for	for	ADP
fsr-3184	132	5	this	this	DET
fsr-3184	132	6	study	study	NOUN
fsr-3184	132	7	is	be	AUX
fsr-3184	132	8	a	a	DET
fsr-3184	132	9	planning	plan	VERB
fsr-3184	132	10	variable	variable	NOUN
fsr-3184	132	11	(	(	PUNCT
fsr-3184	132	12	planning	planning	NOUN
fsr-3184	132	13	)	)	PUNCT
fsr-3184	132	14	.	.	PUNCT
fsr-3184	133	1	research	research	NOUN
fsr-3184	133	2	shows	show	VERB
fsr-3184	133	3	that	that	SCONJ
fsr-3184	133	4	planners	planner	NOUN
fsr-3184	133	5	are	be	AUX
fsr-3184	133	6	more	more	ADV
fsr-3184	133	7	financially	financially	ADV
fsr-3184	133	8	well	well	ADV
fsr-3184	133	9	off	off	ADV
fsr-3184	133	10	than	than	ADP
fsr-3184	133	11	non	non	ADJ
fsr-3184	133	12	-	-	NOUN
fsr-3184	133	13	planners	planner	NOUN
fsr-3184	133	14	(	(	PUNCT
fsr-3184	133	15	lusardi	lusardi	PROPN
fsr-3184	133	16	and	and	CCONJ
fsr-3184	133	17	mitchell	mitchell	PROPN
fsr-3184	133	18	,	,	PUNCT
fsr-3184	133	19	2005	2005	NUM
fsr-3184	133	20	)	)	PUNCT
fsr-3184	133	21	.	.	PUNCT
fsr-3184	134	1	furthermore	furthermore	ADV
fsr-3184	134	2	,	,	PUNCT
fsr-3184	134	3	those	those	PRON
fsr-3184	134	4	who	who	PRON
fsr-3184	134	5	have	have	VERB
fsr-3184	134	6	the	the	DET
fsr-3184	134	7	propensity	propensity	NOUN
fsr-3184	134	8	to	to	PART
fsr-3184	134	9	plan	plan	VERB
fsr-3184	134	10	tend	tend	VERB
fsr-3184	134	11	to	to	PART
fsr-3184	134	12	display	display	VERB
fsr-3184	134	13	positive	positive	ADJ
fsr-3184	134	14	financial	financial	ADJ
fsr-3184	134	15	behaviors	behavior	NOUN
fsr-3184	134	16	(	(	PUNCT
fsr-3184	134	17	deaves	deaf	NOUN
fsr-3184	134	18	,	,	PUNCT
fsr-3184	134	19	veit	veit	NOUN
fsr-3184	134	20	,	,	PUNCT
fsr-3184	134	21	table	table	NOUN
fsr-3184	134	22	2	2	NUM
fsr-3184	134	23	list	list	NOUN
fsr-3184	134	24	of	of	ADP
fsr-3184	134	25	variables	variable	NOUN
fsr-3184	134	26	measurements	measurement	NOUN
fsr-3184	134	27	cash	cash	NOUN
fsr-3184	134	28	-	-	PUNCT
fsr-3184	134	29	flow	flow	NOUN
fsr-3184	134	30	management	management	NOUN
fsr-3184	134	31	behaviors	behavior	NOUN
fsr-3184	134	32	checking	check	VERB
fsr-3184	134	33	#	#	NOUN
fsr-3184	134	34	1	1	NUM
fsr-3184	134	35	if	if	SCONJ
fsr-3184	134	36	reported	report	VERB
fsr-3184	134	37	having	have	VERB
fsr-3184	134	38	a	a	DET
fsr-3184	134	39	checking	checking	NOUN
fsr-3184	134	40	account	account	NOUN
fsr-3184	134	41	;	;	PUNCT
fsr-3184	134	42	0	0	NUM
fsr-3184	134	43	otherwise	otherwise	ADV
fsr-3184	134	44	loans	loan	NOUN
fsr-3184	134	45	on	on	ADP
fsr-3184	134	46	time	time	NOUN
fsr-3184	134	47	#	#	NOUN
fsr-3184	134	48	1	1	NUM
fsr-3184	134	49	if	if	SCONJ
fsr-3184	134	50	reported	report	VERB
fsr-3184	134	51	paying	pay	VERB
fsr-3184	134	52	loans	loan	NOUN
fsr-3184	134	53	ahead	ahead	ADV
fsr-3184	134	54	of	of	ADP
fsr-3184	134	55	time	time	NOUN
fsr-3184	134	56	or	or	CCONJ
fsr-3184	134	57	on	on	ADP
fsr-3184	134	58	time	time	NOUN
fsr-3184	134	59	;	;	PUNCT
fsr-3184	134	60	0	0	NUM
fsr-3184	134	61	otherwise	otherwise	ADV
fsr-3184	134	62	spending	spend	VERB
fsr-3184	134	63	#	#	NOUN
fsr-3184	134	64	1	1	NUM
fsr-3184	134	65	if	if	SCONJ
fsr-3184	134	66	reported	report	VERB
fsr-3184	134	67	spending	spending	NOUN
fsr-3184	134	68	was	be	AUX
fsr-3184	134	69	less	less	ADJ
fsr-3184	134	70	than	than	ADP
fsr-3184	134	71	or	or	CCONJ
fsr-3184	134	72	equal	equal	ADJ
fsr-3184	134	73	to	to	ADP
fsr-3184	134	74	income	income	NOUN
fsr-3184	134	75	;	;	PUNCT
fsr-3184	134	76	0	0	NUM
fsr-3184	134	77	otherwise	otherwise	ADV
fsr-3184	134	78	auto	auto	NOUN
fsr-3184	134	79	deposit	deposit	NOUN
fsr-3184	134	80	#	#	NOUN
fsr-3184	134	81	1	1	NUM
fsr-3184	134	82	if	if	SCONJ
fsr-3184	134	83	reported	report	VERB
fsr-3184	134	84	money	money	NOUN
fsr-3184	134	85	automatically	automatically	ADV
fsr-3184	134	86	deposited	deposit	VERB
fsr-3184	134	87	;	;	PUNCT
fsr-3184	134	88	0	0	NUM
fsr-3184	134	89	otherwise	otherwise	ADV
fsr-3184	134	90	software	software	NOUN
fsr-3184	134	91	#	#	NOUN
fsr-3184	134	92	1	1	NUM
fsr-3184	134	93	if	if	SCONJ
fsr-3184	134	94	reported	report	VERB
fsr-3184	134	95	using	use	VERB
fsr-3184	134	96	software	software	NOUN
fsr-3184	134	97	to	to	PART
fsr-3184	134	98	manage	manage	VERB
fsr-3184	134	99	their	their	PRON
fsr-3184	134	100	money	money	NOUN
fsr-3184	134	101	;	;	PUNCT
fsr-3184	134	102	0	0	NUM
fsr-3184	134	103	otherwise	otherwise	ADV
fsr-3184	134	104	cash	cash	NOUN
fsr-3184	134	105	-	-	PUNCT
fsr-3184	134	106	flow	flow	NOUN
fsr-3184	134	107	index	index	NOUN
fsr-3184	134	108	#	#	NOUN
fsr-3184	134	109	%	%	NOUN
fsr-3184	134	110	of	of	ADP
fsr-3184	134	111	acceptable	acceptable	ADJ
fsr-3184	134	112	cash	cash	NOUN
fsr-3184	134	113	-	-	PUNCT
fsr-3184	134	114	flow	flow	NOUN
fsr-3184	134	115	management	management	NOUN
fsr-3184	134	116	behaviors	behavior	NOUN
fsr-3184	134	117	savings	saving	NOUN
fsr-3184	134	118	behaviors	behavior	NOUN
fsr-3184	134	119	savings	saving	NOUN
fsr-3184	134	120	#	#	NOUN
fsr-3184	134	121	1	1	NUM
fsr-3184	134	122	if	if	SCONJ
fsr-3184	134	123	reported	report	VERB
fsr-3184	134	124	having	have	VERB
fsr-3184	134	125	a	a	DET
fsr-3184	134	126	savings	savings	NOUN
fsr-3184	134	127	account	account	NOUN
fsr-3184	134	128	;	;	PUNCT
fsr-3184	134	129	0	0	NUM
fsr-3184	134	130	otherwise	otherwise	ADV
fsr-3184	134	131	save	save	VERB
fsr-3184	134	132	#	#	NOUN
fsr-3184	134	133	1	1	NUM
fsr-3184	134	134	if	if	SCONJ
fsr-3184	134	135	reported	report	VERB
fsr-3184	134	136	saving	save	VERB
fsr-3184	134	137	on	on	ADP
fsr-3184	134	138	a	a	DET
fsr-3184	134	139	monthly	monthly	ADJ
fsr-3184	134	140	basis	basis	NOUN
fsr-3184	134	141	;	;	PUNCT
fsr-3184	134	142	0	0	NUM
fsr-3184	134	143	otherwise	otherwise	ADV
fsr-3184	134	144	cd	cd	NOUN
fsr-3184	134	145	#	#	NOUN
fsr-3184	134	146	1	1	NUM
fsr-3184	134	147	if	if	SCONJ
fsr-3184	134	148	reported	report	VERB
fsr-3184	134	149	having	have	VERB
fsr-3184	134	150	certificates	certificate	NOUN
fsr-3184	134	151	of	of	ADP
fsr-3184	134	152	deposit	deposit	NOUN
fsr-3184	134	153	;	;	PUNCT
fsr-3184	134	154	0	0	NUM
fsr-3184	134	155	otherwise	otherwise	ADV
fsr-3184	134	156	retire	retire	VERB
fsr-3184	134	157	plan	plan	NOUN
fsr-3184	134	158	#	#	NOUN
fsr-3184	134	159	1	1	NUM
fsr-3184	134	160	if	if	SCONJ
fsr-3184	134	161	reported	report	VERB
fsr-3184	134	162	participation	participation	NOUN
fsr-3184	134	163	in	in	ADP
fsr-3184	134	164	any	any	DET
fsr-3184	134	165	pension	pension	NOUN
fsr-3184	134	166	,	,	PUNCT
fsr-3184	134	167	retirement	retirement	NOUN
fsr-3184	134	168	,	,	PUNCT
fsr-3184	134	169	or	or	CCONJ
fsr-3184	134	170	tax	tax	NOUN
fsr-3184	134	171	-	-	PUNCT
fsr-3184	134	172	deferred	defer	VERB
fsr-3184	134	173	savings	saving	NOUN
fsr-3184	134	174	plan	plan	NOUN
fsr-3184	134	175	connected	connect	VERB
fsr-3184	134	176	with	with	ADP
fsr-3184	134	177	job	job	NOUN
fsr-3184	134	178	;	;	PUNCT
fsr-3184	134	179	0	0	NUM
fsr-3184	134	180	otherwise	otherwise	ADV
fsr-3184	134	181	ira	ira	PROPN
fsr-3184	134	182	#	#	NOUN
fsr-3184	134	183	1	1	NUM
fsr-3184	134	184	if	if	SCONJ
fsr-3184	134	185	reported	report	VERB
fsr-3184	134	186	having	have	VERB
fsr-3184	134	187	money	money	NOUN
fsr-3184	134	188	in	in	ADP
fsr-3184	134	189	ira	ira	PROPN
fsr-3184	134	190	or	or	CCONJ
fsr-3184	134	191	keogh	keogh	PROPN
fsr-3184	134	192	;	;	PUNCT
fsr-3184	134	193	0	0	NUM
fsr-3184	134	194	otherwise	otherwise	ADV
fsr-3184	134	195	savings	saving	NOUN
fsr-3184	134	196	index	index	NOUN
fsr-3184	134	197	#	#	NOUN
fsr-3184	134	198	%	%	NOUN
fsr-3184	134	199	of	of	ADP
fsr-3184	134	200	acceptable	acceptable	ADJ
fsr-3184	134	201	savings	saving	NOUN
fsr-3184	134	202	behaviors	behavior	NOUN
fsr-3184	134	203	information	information	NOUN
fsr-3184	134	204	source	source	NOUN
fsr-3184	134	205	variables	variable	VERB
fsr-3184	134	206	formal	formal	ADJ
fsr-3184	134	207	advisor	advisor	NOUN
fsr-3184	134	208	#	#	NOUN
fsr-3184	134	209	1	1	NUM
fsr-3184	134	210	if	if	SCONJ
fsr-3184	134	211	information	information	NOUN
fsr-3184	134	212	sources	source	NOUN
fsr-3184	134	213	were	be	AUX
fsr-3184	134	214	a	a	DET
fsr-3184	134	215	financial	financial	ADJ
fsr-3184	134	216	planner	planner	NOUN
fsr-3184	134	217	,	,	PUNCT
fsr-3184	134	218	banker	banker	NOUN
fsr-3184	134	219	,	,	PUNCT
fsr-3184	134	220	broker	broker	NOUN
fsr-3184	134	221	,	,	PUNCT
fsr-3184	134	222	accountant	accountant	NOUN
fsr-3184	134	223	,	,	PUNCT
fsr-3184	134	224	insurance	insurance	NOUN
fsr-3184	134	225	agent	agent	NOUN
fsr-3184	134	226	,	,	PUNCT
fsr-3184	134	227	lawyer	lawyer	NOUN
fsr-3184	134	228	,	,	PUNCT
fsr-3184	134	229	or	or	CCONJ
fsr-3184	134	230	material	material	NOUN
fsr-3184	134	231	from	from	ADP
fsr-3184	134	232	work	work	NOUN
fsr-3184	134	233	/	/	SYM
fsr-3184	134	234	business	business	NOUN
fsr-3184	134	235	contact	contact	NOUN
fsr-3184	134	236	;	;	PUNCT
fsr-3184	134	237	0	0	NUM
fsr-3184	134	238	otherwise	otherwise	ADV
fsr-3184	134	239	informal	informal	ADJ
fsr-3184	134	240	advisor	advisor	NOUN
fsr-3184	134	241	#	#	NOUN
fsr-3184	134	242	1	1	NUM
fsr-3184	134	243	if	if	SCONJ
fsr-3184	134	244	information	information	NOUN
fsr-3184	134	245	sources	source	NOUN
fsr-3184	134	246	were	be	AUX
fsr-3184	134	247	friends	friend	NOUN
fsr-3184	134	248	and	and	CCONJ
fsr-3184	134	249	family	family	NOUN
fsr-3184	134	250	,	,	PUNCT
fsr-3184	134	251	self	self	NOUN
fsr-3184	134	252	,	,	PUNCT
fsr-3184	134	253	personal	personal	ADJ
fsr-3184	134	254	experience	experience	NOUN
fsr-3184	134	255	,	,	PUNCT
fsr-3184	134	256	other	other	ADJ
fsr-3184	134	257	personal	personal	ADJ
fsr-3184	134	258	research	research	NOUN
fsr-3184	134	259	,	,	PUNCT
fsr-3184	134	260	do	do	AUX
fsr-3184	134	261	n’t	not	PART
fsr-3184	134	262	shop	shop	VERB
fsr-3184	134	263	around	around	ADV
fsr-3184	134	264	,	,	PUNCT
fsr-3184	134	265	or	or	CCONJ
fsr-3184	134	266	do	do	AUX
fsr-3184	134	267	not	not	PART
fsr-3184	134	268	save	save	VERB
fsr-3184	134	269	or	or	CCONJ
fsr-3184	134	270	invest	invest	VERB
fsr-3184	134	271	;	;	PUNCT
fsr-3184	134	272	0	0	NUM
fsr-3184	134	273	otherwise	otherwise	ADV
fsr-3184	134	274	public	public	ADJ
fsr-3184	134	275	source	source	NOUN
fsr-3184	134	276	#	#	NOUN
fsr-3184	134	277	1	1	NUM
fsr-3184	134	278	if	if	SCONJ
fsr-3184	134	279	information	information	NOUN
fsr-3184	134	280	sources	source	NOUN
fsr-3184	134	281	were	be	AUX
fsr-3184	134	282	calling	call	VERB
fsr-3184	134	283	around	around	ADV
fsr-3184	134	284	,	,	PUNCT
fsr-3184	134	285	magazine/	magazine/	NUM
fsr-3184	134	286	newspaper	newspaper	NOUN
fsr-3184	134	287	,	,	PUNCT
fsr-3184	134	288	material	material	NOUN
fsr-3184	134	289	in	in	ADP
fsr-3184	134	290	the	the	DET
fsr-3184	134	291	mail	mail	NOUN
fsr-3184	134	292	,	,	PUNCT
fsr-3184	134	293	online	online	ADJ
fsr-3184	134	294	/	/	SYM
fsr-3184	134	295	internet	internet	NOUN
fsr-3184	134	296	,	,	PUNCT
fsr-3184	134	297	advertising	advertising	NOUN
fsr-3184	134	298	,	,	PUNCT
fsr-3184	134	299	or	or	CCONJ
fsr-3184	134	300	tv	tv	NOUN
fsr-3184	134	301	;	;	PUNCT
fsr-3184	134	302	0	0	NUM
fsr-3184	134	303	otherwise	otherwise	ADV
fsr-3184	134	304	other	other	ADJ
fsr-3184	134	305	variables	variable	NOUN
fsr-3184	134	306	planning	plan	VERB
fsr-3184	134	307	#	#	NOUN
fsr-3184	134	308	1	1	NUM
fsr-3184	134	309	if	if	SCONJ
fsr-3184	134	310	plan	plan	NOUN
fsr-3184	134	311	for	for	ADP
fsr-3184	134	312	next	next	ADJ
fsr-3184	134	313	few	few	ADJ
fsr-3184	134	314	years	year	NOUN
fsr-3184	134	315	,	,	PUNCT
fsr-3184	134	316	next	next	ADJ
fsr-3184	134	317	5–10	5–10	ADJ
fsr-3184	134	318	years	year	NOUN
fsr-3184	134	319	,	,	PUNCT
fsr-3184	134	320	or	or	CCONJ
fsr-3184	134	321	more	more	ADJ
fsr-3184	134	322	than	than	ADP
fsr-3184	134	323	10	10	NUM
fsr-3184	134	324	years	year	NOUN
fsr-3184	134	325	;	;	PUNCT
fsr-3184	134	326	0	0	PUNCT
fsr-3184	134	327	if	if	SCONJ
fsr-3184	134	328	plan	plan	NOUN
fsr-3184	134	329	for	for	ADP
fsr-3184	134	330	next	next	ADJ
fsr-3184	134	331	year	year	NOUN
fsr-3184	134	332	or	or	CCONJ
fsr-3184	134	333	next	next	ADJ
fsr-3184	134	334	few	few	ADJ
fsr-3184	134	335	months	month	NOUN
fsr-3184	134	336	age	age	NOUN
fsr-3184	134	337	#	#	NOUN
fsr-3184	134	338	chronological	chronological	ADJ
fsr-3184	134	339	age	age	NOUN
fsr-3184	134	340	of	of	ADP
fsr-3184	134	341	respondent	respondent	ADJ
fsr-3184	134	342	male	male	NOUN
fsr-3184	134	343	#	#	NOUN
fsr-3184	134	344	1	1	NUM
fsr-3184	134	345	if	if	SCONJ
fsr-3184	134	346	respondent	respondent	NOUN
fsr-3184	134	347	is	be	AUX
fsr-3184	134	348	male	male	ADJ
fsr-3184	134	349	;	;	PUNCT
fsr-3184	134	350	0	0	NUM
fsr-3184	135	1	if	if	SCONJ
fsr-3184	135	2	female	female	ADJ
fsr-3184	135	3	education	education	NOUN
fsr-3184	135	4	#	#	NOUN
fsr-3184	135	5	years	year	NOUN
fsr-3184	135	6	of	of	ADP
fsr-3184	135	7	education	education	NOUN
fsr-3184	135	8	completed	complete	VERB
fsr-3184	135	9	minority	minority	NOUN
fsr-3184	135	10	#	#	NOUN
fsr-3184	135	11	1	1	NUM
fsr-3184	135	12	if	if	SCONJ
fsr-3184	135	13	race	race	NOUN
fsr-3184	135	14	is	be	AUX
fsr-3184	135	15	black	black	ADJ
fsr-3184	135	16	,	,	PUNCT
fsr-3184	135	17	hispanic	hispanic	ADJ
fsr-3184	135	18	,	,	PUNCT
fsr-3184	135	19	or	or	CCONJ
fsr-3184	135	20	other	other	ADJ
fsr-3184	135	21	minorities	minority	NOUN
fsr-3184	135	22	;	;	PUNCT
fsr-3184	135	23	0	0	NUM
fsr-3184	135	24	if	if	SCONJ
fsr-3184	135	25	race	race	NOUN
fsr-3184	135	26	is	be	AUX
fsr-3184	135	27	white	white	ADJ
fsr-3184	135	28	self	self	NOUN
fsr-3184	135	29	-	-	PUNCT
fsr-3184	135	30	employed	employ	VERB
fsr-3184	135	31	#	#	NOUN
fsr-3184	135	32	1	1	NUM
fsr-3184	135	33	if	if	SCONJ
fsr-3184	135	34	self	self	NOUN
fsr-3184	135	35	-	-	PUNCT
fsr-3184	135	36	employed	employ	VERB
fsr-3184	135	37	;	;	PUNCT
fsr-3184	135	38	0	0	NUM
fsr-3184	135	39	otherwise	otherwise	ADV
fsr-3184	135	40	financial	financial	ADJ
fsr-3184	135	41	behavior	behavior	NOUN
fsr-3184	135	42	indices	indice	VERB
fsr-3184	135	43	ranking	rank	VERB
fsr-3184	135	44	low	low	ADJ
fsr-3184	135	45	#	#	NOUN
fsr-3184	135	46	response	response	NOUN
fsr-3184	135	47	of	of	ADP
fsr-3184	135	48	1	1	NUM
fsr-3184	135	49	to	to	PART
fsr-3184	135	50	25	25	NUM
fsr-3184	135	51	%	%	NOUN
fsr-3184	135	52	or	or	CCONJ
fsr-3184	135	53	less	less	ADV
fsr-3184	135	54	acceptable	acceptable	ADJ
fsr-3184	135	55	behaviors	behavior	NOUN
fsr-3184	135	56	medium	medium	NOUN
fsr-3184	135	57	#	#	NOUN
fsr-3184	135	58	response	response	NOUN
fsr-3184	135	59	of	of	ADP
fsr-3184	135	60	1	1	NUM
fsr-3184	135	61	between	between	ADP
fsr-3184	135	62	25	25	NUM
fsr-3184	135	63	%	%	NOUN
fsr-3184	135	64	to	to	PART
fsr-3184	135	65	70	70	NUM
fsr-3184	135	66	%	%	NOUN
fsr-3184	135	67	acceptable	acceptable	ADJ
fsr-3184	135	68	behaviors	behavior	NOUN
fsr-3184	135	69	high	high	ADJ
fsr-3184	135	70	#	#	NOUN
fsr-3184	135	71	response	response	NOUN
fsr-3184	135	72	of	of	ADP
fsr-3184	135	73	1	1	NUM
fsr-3184	135	74	to	to	PART
fsr-3184	135	75	70	70	NUM
fsr-3184	135	76	%	%	NOUN
fsr-3184	135	77	or	or	CCONJ
fsr-3184	135	78	more	more	ADV
fsr-3184	135	79	acceptable	acceptable	ADJ
fsr-3184	135	80	behaviors	behavior	NOUN
fsr-3184	135	81	32	32	NUM
fsr-3184	135	82	c.r	c.r	PROPN
fsr-3184	135	83	.	.	PROPN
fsr-3184	135	84	hudson	hudson	PROPN
fsr-3184	135	85	,	,	PUNCT
fsr-3184	135	86	l.	l.	PROPN
fsr-3184	135	87	palmer	palmer	PROPN
fsr-3184	135	88	/	/	SYM
fsr-3184	135	89	financial	financial	ADJ
fsr-3184	135	90	services	service	NOUN
fsr-3184	135	91	review	review	VERB
fsr-3184	135	92	23	23	NUM
fsr-3184	135	93	(	(	PUNCT
fsr-3184	135	94	2014	2014	NUM
fsr-3184	135	95	)	)	PUNCT
fsr-3184	135	96	25–43	25–43	NUM
fsr-3184	135	97	bhandari	bhandari	NOUN
fsr-3184	135	98	,	,	PUNCT
fsr-3184	135	99	and	and	CCONJ
fsr-3184	135	100	cheney	cheney	PROPN
fsr-3184	135	101	,	,	PUNCT
fsr-3184	135	102	2007	2007	NUM
fsr-3184	135	103	)	)	PUNCT
fsr-3184	135	104	.	.	PUNCT
fsr-3184	136	1	in	in	ADP
fsr-3184	136	2	this	this	DET
fsr-3184	136	3	study	study	NOUN
fsr-3184	136	4	,	,	PUNCT
fsr-3184	136	5	the	the	DET
fsr-3184	136	6	planning	planning	NOUN
fsr-3184	136	7	variable	variable	NOUN
fsr-3184	136	8	(	(	PUNCT
fsr-3184	136	9	planning	planning	NOUN
fsr-3184	136	10	)	)	PUNCT
fsr-3184	136	11	indicates	indicate	VERB
fsr-3184	136	12	to	to	ADP
fsr-3184	136	13	what	what	DET
fsr-3184	136	14	extent	extent	NOUN
fsr-3184	136	15	individuals	individual	NOUN
fsr-3184	136	16	plan	plan	VERB
fsr-3184	136	17	for	for	ADP
fsr-3184	136	18	their	their	PRON
fsr-3184	136	19	futures	future	NOUN
fsr-3184	136	20	,	,	PUNCT
fsr-3184	136	21	with	with	ADP
fsr-3184	136	22	longer	long	ADJ
fsr-3184	136	23	term	term	NOUN
fsr-3184	136	24	planners	planner	NOUN
fsr-3184	136	25	being	be	AUX
fsr-3184	136	26	coded	code	VERB
fsr-3184	136	27	as	as	ADP
fsr-3184	136	28	“	"	PUNCT
fsr-3184	136	29	1	1	NUM
fsr-3184	136	30	”	"	PUNCT
fsr-3184	136	31	and	and	CCONJ
fsr-3184	136	32	those	those	PRON
fsr-3184	136	33	who	who	PRON
fsr-3184	136	34	plan	plan	VERB
fsr-3184	136	35	for	for	ADP
fsr-3184	136	36	a	a	DET
fsr-3184	136	37	year	year	NOUN
fsr-3184	136	38	or	or	CCONJ
fsr-3184	136	39	less	less	ADJ
fsr-3184	136	40	being	be	AUX
fsr-3184	136	41	coded	code	VERB
fsr-3184	136	42	as	as	ADP
fsr-3184	136	43	“	"	PUNCT
fsr-3184	136	44	0	0	NUM
fsr-3184	136	45	.	.	PUNCT
fsr-3184	136	46	”	"	PUNCT
fsr-3184	137	1	this	this	DET
fsr-3184	137	2	study	study	NOUN
fsr-3184	137	3	also	also	ADV
fsr-3184	137	4	includes	include	VERB
fsr-3184	137	5	demographic	demographic	ADJ
fsr-3184	137	6	variables	variable	NOUN
fsr-3184	137	7	such	such	ADJ
fsr-3184	137	8	as	as	ADP
fsr-3184	137	9	age	age	NOUN
fsr-3184	137	10	,	,	PUNCT
fsr-3184	137	11	gender	gender	NOUN
fsr-3184	137	12	,	,	PUNCT
fsr-3184	137	13	education	education	NOUN
fsr-3184	137	14	,	,	PUNCT
fsr-3184	137	15	and	and	CCONJ
fsr-3184	137	16	race	race	NOUN
fsr-3184	137	17	because	because	SCONJ
fsr-3184	137	18	of	of	ADP
fsr-3184	137	19	their	their	PRON
fsr-3184	137	20	correlation	correlation	NOUN
fsr-3184	137	21	with	with	ADP
fsr-3184	137	22	financial	financial	ADJ
fsr-3184	137	23	behaviors	behavior	NOUN
fsr-3184	137	24	.	.	PUNCT
fsr-3184	138	1	table	table	NOUN
fsr-3184	138	2	2	2	NUM
fsr-3184	138	3	lists	list	NOUN
fsr-3184	138	4	all	all	PRON
fsr-3184	138	5	of	of	ADP
fsr-3184	138	6	the	the	DET
fsr-3184	138	7	other	other	ADJ
fsr-3184	138	8	variables	variable	NOUN
fsr-3184	138	9	and	and	CCONJ
fsr-3184	138	10	their	their	PRON
fsr-3184	138	11	measurements	measurement	NOUN
fsr-3184	138	12	.	.	PUNCT
fsr-3184	139	1	4.5	4.5	NUM
fsr-3184	139	2	.	.	PUNCT
fsr-3184	140	1	statistical	statistical	ADJ
fsr-3184	140	2	analysis	analysis	NOUN
fsr-3184	140	3	in	in	ADP
fsr-3184	140	4	this	this	DET
fsr-3184	140	5	study	study	NOUN
fsr-3184	140	6	,	,	PUNCT
fsr-3184	140	7	data	datum	NOUN
fsr-3184	140	8	from	from	ADP
fsr-3184	140	9	the	the	DET
fsr-3184	140	10	2010	2010	NUM
fsr-3184	140	11	scf	scf	NOUN
fsr-3184	140	12	are	be	AUX
fsr-3184	140	13	analyzed	analyze	VERB
fsr-3184	140	14	with	with	ADP
fsr-3184	140	15	the	the	DET
fsr-3184	140	16	sas	sas	PROPN
fsr-3184	140	17	statistical	statistical	ADJ
fsr-3184	140	18	package	package	NOUN
fsr-3184	140	19	(	(	PUNCT
fsr-3184	140	20	version	version	NOUN
fsr-3184	140	21	9.3	9.3	NUM
fsr-3184	140	22	)	)	PUNCT
fsr-3184	140	23	.	.	PUNCT
fsr-3184	141	1	the	the	DET
fsr-3184	141	2	data	datum	NOUN
fsr-3184	141	3	are	be	AUX
fsr-3184	141	4	used	use	VERB
fsr-3184	141	5	to	to	PART
fsr-3184	141	6	investigate	investigate	VERB
fsr-3184	141	7	the	the	DET
fsr-3184	141	8	hypothesis	hypothesis	NOUN
fsr-3184	141	9	(	(	PUNCT
fsr-3184	141	10	h1	h1	PROPN
fsr-3184	141	11	)	)	PUNCT
fsr-3184	141	12	that	that	PRON
fsr-3184	141	13	examines	examine	VERB
fsr-3184	141	14	the	the	DET
fsr-3184	141	15	relationship	relationship	NOUN
fsr-3184	141	16	between	between	ADP
fsr-3184	141	17	the	the	DET
fsr-3184	141	18	use	use	NOUN
fsr-3184	141	19	of	of	ADP
fsr-3184	141	20	financial	financial	ADJ
fsr-3184	141	21	information	information	NOUN
fsr-3184	141	22	from	from	ADP
fsr-3184	141	23	formal	formal	ADJ
fsr-3184	141	24	advisors	advisor	NOUN
fsr-3184	141	25	and	and	CCONJ
fsr-3184	141	26	low	low	ADJ
fsr-3184	141	27	-	-	PUNCT
fsr-3184	141	28	income	income	NOUN
fsr-3184	141	29	employees	employee	NOUN
fsr-3184	141	30	’	’	PART
fsr-3184	141	31	percentage	percentage	NOUN
fsr-3184	141	32	of	of	ADP
fsr-3184	141	33	acceptable	acceptable	ADJ
fsr-3184	141	34	savings	saving	NOUN
fsr-3184	141	35	behaviors	behavior	NOUN
fsr-3184	141	36	and	and	CCONJ
fsr-3184	141	37	acceptable	acceptable	ADJ
fsr-3184	141	38	cash	cash	NOUN
fsr-3184	141	39	-	-	PUNCT
fsr-3184	141	40	flow	flow	NOUN
fsr-3184	141	41	management	management	NOUN
fsr-3184	141	42	behaviors	behavior	NOUN
fsr-3184	141	43	.	.	PUNCT
fsr-3184	142	1	these	these	DET
fsr-3184	142	2	percentages	percentage	NOUN
fsr-3184	142	3	rank	rank	VERB
fsr-3184	142	4	as	as	ADP
fsr-3184	142	5	low	low	ADJ
fsr-3184	142	6	,	,	PUNCT
fsr-3184	142	7	medium	medium	ADJ
fsr-3184	142	8	,	,	PUNCT
fsr-3184	142	9	or	or	CCONJ
fsr-3184	142	10	high	high	ADJ
fsr-3184	142	11	.	.	PUNCT
fsr-3184	143	1	the	the	DET
fsr-3184	143	2	first	first	ADJ
fsr-3184	143	3	data	data	NOUN
fsr-3184	143	4	analysis	analysis	NOUN
fsr-3184	143	5	step	step	NOUN
fsr-3184	143	6	generates	generate	VERB
fsr-3184	143	7	descriptive	descriptive	ADJ
fsr-3184	143	8	statistics	statistic	NOUN
fsr-3184	143	9	to	to	PART
fsr-3184	143	10	describe	describe	VERB
fsr-3184	143	11	the	the	DET
fsr-3184	143	12	demographic	demographic	ADJ
fsr-3184	143	13	and	and	CCONJ
fsr-3184	143	14	socioeconomic	socioeconomic	ADJ
fsr-3184	143	15	characteristics	characteristic	NOUN
fsr-3184	143	16	of	of	ADP
fsr-3184	143	17	the	the	DET
fsr-3184	143	18	low	low	ADJ
fsr-3184	143	19	-	-	PUNCT
fsr-3184	143	20	income	income	NOUN
fsr-3184	143	21	,	,	PUNCT
fsr-3184	143	22	middle	middle	ADJ
fsr-3184	143	23	-	-	PUNCT
fsr-3184	143	24	income	income	NOUN
fsr-3184	143	25	,	,	PUNCT
fsr-3184	143	26	and	and	CCONJ
fsr-3184	143	27	high	high	ADJ
fsr-3184	143	28	-	-	PUNCT
fsr-3184	143	29	income	income	NOUN
fsr-3184	143	30	employee	employee	NOUN
fsr-3184	143	31	subsamples	subsample	NOUN
fsr-3184	143	32	.	.	PUNCT
fsr-3184	144	1	descriptive	descriptive	ADJ
fsr-3184	144	2	statistics	statistic	NOUN
fsr-3184	144	3	are	be	AUX
fsr-3184	144	4	weighted	weight	VERB
fsr-3184	144	5	to	to	PART
fsr-3184	144	6	accurately	accurately	ADV
fsr-3184	144	7	reflect	reflect	VERB
fsr-3184	144	8	the	the	DET
fsr-3184	144	9	representation	representation	NOUN
fsr-3184	144	10	of	of	ADP
fsr-3184	144	11	smaller	small	ADJ
fsr-3184	144	12	groups	group	NOUN
fsr-3184	144	13	in	in	ADP
fsr-3184	144	14	the	the	DET
fsr-3184	144	15	population	population	NOUN
fsr-3184	144	16	.	.	PUNCT
fsr-3184	145	1	the	the	DET
fsr-3184	145	2	next	next	ADJ
fsr-3184	145	3	data	data	NOUN
fsr-3184	145	4	analysis	analysis	NOUN
fsr-3184	145	5	step	step	NOUN
fsr-3184	145	6	consists	consist	VERB
fsr-3184	145	7	of	of	ADP
fsr-3184	145	8	ordered	order	VERB
fsr-3184	145	9	logistic	logistic	ADJ
fsr-3184	145	10	regression	regression	NOUN
fsr-3184	145	11	analyses	analysis	NOUN
fsr-3184	145	12	,	,	PUNCT
fsr-3184	145	13	which	which	PRON
fsr-3184	145	14	is	be	AUX
fsr-3184	145	15	used	use	VERB
fsr-3184	145	16	to	to	PART
fsr-3184	145	17	test	test	VERB
fsr-3184	145	18	the	the	DET
fsr-3184	145	19	significance	significance	NOUN
fsr-3184	145	20	of	of	ADP
fsr-3184	145	21	the	the	DET
fsr-3184	145	22	relationships	relationship	NOUN
fsr-3184	145	23	between	between	ADP
fsr-3184	145	24	the	the	DET
fsr-3184	145	25	independent	independent	ADJ
fsr-3184	145	26	variables	variable	NOUN
fsr-3184	145	27	and	and	CCONJ
fsr-3184	145	28	the	the	DET
fsr-3184	145	29	dependent	dependent	ADJ
fsr-3184	145	30	variable	variable	NOUN
fsr-3184	145	31	.	.	PUNCT
fsr-3184	146	1	two	two	NUM
fsr-3184	146	2	ordered	order	VERB
fsr-3184	146	3	logistic	logistic	ADJ
fsr-3184	146	4	regression	regression	NOUN
fsr-3184	146	5	models	model	NOUN
fsr-3184	146	6	are	be	AUX
fsr-3184	146	7	used	use	VERB
fsr-3184	146	8	to	to	PART
fsr-3184	146	9	test	test	VERB
fsr-3184	146	10	the	the	DET
fsr-3184	146	11	relationships	relationship	NOUN
fsr-3184	146	12	between	between	ADP
fsr-3184	146	13	information	information	NOUN
fsr-3184	146	14	from	from	ADP
fsr-3184	146	15	formal	formal	ADJ
fsr-3184	146	16	advisors	advisor	NOUN
fsr-3184	146	17	and	and	CCONJ
fsr-3184	146	18	the	the	DET
fsr-3184	146	19	dependent	dependent	ADJ
fsr-3184	146	20	variables	variable	NOUN
fsr-3184	146	21	(	(	PUNCT
fsr-3184	146	22	savings	saving	NOUN
fsr-3184	146	23	index	index	NOUN
fsr-3184	146	24	and	and	CCONJ
fsr-3184	146	25	cash	cash	NOUN
fsr-3184	146	26	-	-	PUNCT
fsr-3184	146	27	flow	flow	NOUN
fsr-3184	146	28	index	index	NOUN
fsr-3184	146	29	)	)	PUNCT
fsr-3184	146	30	,	,	PUNCT
fsr-3184	146	31	while	while	SCONJ
fsr-3184	146	32	controlling	control	VERB
fsr-3184	146	33	for	for	ADP
fsr-3184	146	34	other	other	ADJ
fsr-3184	146	35	variables	variable	NOUN
fsr-3184	146	36	.	.	PUNCT
fsr-3184	147	1	the	the	DET
fsr-3184	147	2	ordered	order	VERB
fsr-3184	147	3	logistic	logistic	ADJ
fsr-3184	147	4	regression	regression	NOUN
fsr-3184	147	5	model	model	NOUN
fsr-3184	147	6	uses	use	VERB
fsr-3184	147	7	the	the	DET
fsr-3184	147	8	probability	probability	NOUN
fsr-3184	147	9	odds	odd	NOUN
fsr-3184	147	10	models	model	NOUN
fsr-3184	147	11	to	to	PART
fsr-3184	147	12	determine	determine	VERB
fsr-3184	147	13	the	the	DET
fsr-3184	147	14	probability	probability	NOUN
fsr-3184	147	15	that	that	SCONJ
fsr-3184	147	16	the	the	DET
fsr-3184	147	17	dependent	dependent	ADJ
fsr-3184	147	18	variable	variable	NOUN
fsr-3184	147	19	(	(	PUNCT
fsr-3184	147	20	y	y	NOUN
fsr-3184	147	21	)	)	PUNCT
fsr-3184	147	22	will	will	AUX
fsr-3184	147	23	fall	fall	VERB
fsr-3184	147	24	into	into	ADP
fsr-3184	147	25	one	one	NUM
fsr-3184	147	26	category	category	NOUN
fsr-3184	147	27	versus	versus	ADP
fsr-3184	147	28	another	another	PRON
fsr-3184	147	29	,	,	PUNCT
fsr-3184	147	30	in	in	ADP
fsr-3184	147	31	particular	particular	ADJ
fsr-3184	147	32	the	the	DET
fsr-3184	147	33	higher	high	ADJ
fsr-3184	147	34	categories	category	NOUN
fsr-3184	147	35	,	,	PUNCT
fsr-3184	147	36	given	give	VERB
fsr-3184	147	37	the	the	DET
fsr-3184	147	38	independent	independent	ADJ
fsr-3184	147	39	variables	variable	NOUN
fsr-3184	147	40	(	(	PUNCT
fsr-3184	147	41	snedker	snedker	NOUN
fsr-3184	147	42	,	,	PUNCT
fsr-3184	147	43	glynn	glynn	PROPN
fsr-3184	147	44	,	,	PUNCT
fsr-3184	147	45	and	and	CCONJ
fsr-3184	147	46	wang	wang	PROPN
fsr-3184	147	47	,	,	PUNCT
fsr-3184	147	48	2002	2002	NUM
fsr-3184	147	49	)	)	PUNCT
fsr-3184	147	50	.	.	PUNCT
fsr-3184	148	1	the	the	DET
fsr-3184	148	2	probability	probability	NOUN
fsr-3184	148	3	odds	odd	NOUN
fsr-3184	148	4	models	model	NOUN
fsr-3184	148	5	are	be	AUX
fsr-3184	148	6	as	as	SCONJ
fsr-3184	148	7	follows	follow	VERB
fsr-3184	148	8	:	:	PUNCT
fsr-3184	148	9	logit$p1	logit$p1	NUM
fsr-3184	148	10	%	%	NOUN
fsr-3184	148	11	!	!	PUNCT
fsr-3184	149	1	log	log	PROPN
fsr-3184	149	2	p1	p1	PROPN
fsr-3184	149	3	1	1	NUM
fsr-3184	149	4	"	"	PUNCT
fsr-3184	149	5	p1	p1	NOUN
fsr-3184	149	6	!	!	PUNCT
fsr-3184	150	1	&	&	CCONJ
fsr-3184	150	2	1	1	NUM
fsr-3184	150	3	#	#	NOUN
fsr-3184	150	4	bx1	bx1	NOUN
fsr-3184	150	5	(	(	PUNCT
fsr-3184	150	6	1	1	X
fsr-3184	150	7	)	)	PUNCT
fsr-3184	150	8	logit$p1	logit$p1	NUM
fsr-3184	150	9	#	#	NOUN
fsr-3184	150	10	p2	p2	NOUN
fsr-3184	150	11	%	%	NOUN
fsr-3184	150	12	!	!	PUNCT
fsr-3184	151	1	log	log	NOUN
fsr-3184	151	2	p1	p1	NOUN
fsr-3184	151	3	#	#	NOUN
fsr-3184	151	4	p2	p2	NOUN
fsr-3184	151	5	1	1	NUM
fsr-3184	151	6	"	"	PUNCT
fsr-3184	151	7	p1	p1	NOUN
fsr-3184	151	8	"	"	PUNCT
fsr-3184	151	9	p2	p2	PROPN
fsr-3184	151	10	!	!	PUNCT
fsr-3184	152	1	&	&	CCONJ
fsr-3184	152	2	1	1	NUM
fsr-3184	152	3	#	#	NOUN
fsr-3184	152	4	b'x1	b'x1	NOUN
fsr-3184	152	5	(	(	PUNCT
fsr-3184	152	6	2	2	NUM
fsr-3184	152	7	)	)	PUNCT
fsr-3184	152	8	logit$p1	logit$p1	NUM
fsr-3184	152	9	#	#	NOUN
fsr-3184	152	10	p2	p2	NOUN
fsr-3184	152	11	#	#	NOUN
fsr-3184	152	12	.	.	PUNCT
fsr-3184	152	13	.	.	PUNCT
fsr-3184	152	14	.	.	PUNCT
fsr-3184	153	1	pk%	pk%	INTJ
fsr-3184	153	2	!	!	PUNCT
fsr-3184	154	1	log	log	PROPN
fsr-3184	154	2	p1	p1	NOUN
fsr-3184	154	3	#	#	NOUN
fsr-3184	154	4	p2	p2	NOUN
fsr-3184	154	5	#	#	NOUN
fsr-3184	154	6	.	.	PUNCT
fsr-3184	154	7	.	.	PUNCT
fsr-3184	154	8	.	.	PUNCT
fsr-3184	155	1	pk	pk	NOUN
fsr-3184	155	2	1	1	NUM
fsr-3184	155	3	"	"	PUNCT
fsr-3184	155	4	p1	p1	NOUN
fsr-3184	155	5	"	"	PUNCT
fsr-3184	155	6	p2	p2	PROPN
fsr-3184	155	7	"	"	PUNCT
fsr-3184	155	8	.	.	PUNCT
fsr-3184	155	9	.	.	PUNCT
fsr-3184	155	10	.	.	PUNCT
fsr-3184	156	1	pk	pk	NOUN
fsr-3184	156	2	!	!	PUNCT
fsr-3184	157	1	&	&	CCONJ
fsr-3184	157	2	1	1	NUM
fsr-3184	157	3	#	#	NOUN
fsr-3184	157	4	b'x1	b'x1	NOUN
fsr-3184	157	5	(	(	PUNCT
fsr-3184	157	6	3	3	NUM
fsr-3184	157	7	)	)	PUNCT
fsr-3184	157	8	the	the	DET
fsr-3184	157	9	ordered	order	VERB
fsr-3184	157	10	logistic	logistic	ADJ
fsr-3184	157	11	regression	regression	NOUN
fsr-3184	157	12	model	model	NOUN
fsr-3184	157	13	utilizes	utilize	VERB
fsr-3184	157	14	the	the	DET
fsr-3184	157	15	$	$	SYM
fsr-3184	157	16	2	2	NUM
fsr-3184	157	17	test	test	NOUN
fsr-3184	157	18	to	to	PART
fsr-3184	157	19	determine	determine	VERB
fsr-3184	157	20	if	if	SCONJ
fsr-3184	157	21	an	an	DET
fsr-3184	157	22	independent	independent	ADJ
fsr-3184	157	23	variable	variable	NOUN
fsr-3184	157	24	has	have	VERB
fsr-3184	157	25	a	a	DET
fsr-3184	157	26	significant	significant	ADJ
fsr-3184	157	27	correlation	correlation	NOUN
fsr-3184	157	28	with	with	ADP
fsr-3184	157	29	the	the	DET
fsr-3184	157	30	dependent	dependent	ADJ
fsr-3184	157	31	variable	variable	NOUN
fsr-3184	157	32	.	.	PUNCT
fsr-3184	158	1	coefficients	coefficient	NOUN
fsr-3184	158	2	which	which	PRON
fsr-3184	158	3	are	be	AUX
fsr-3184	158	4	generated	generate	VERB
fsr-3184	158	5	from	from	ADP
fsr-3184	158	6	the	the	DET
fsr-3184	158	7	ordered	order	VERB
fsr-3184	158	8	logistic	logistic	ADJ
fsr-3184	158	9	regression	regression	NOUN
fsr-3184	158	10	model	model	NOUN
fsr-3184	158	11	for	for	ADP
fsr-3184	158	12	each	each	DET
fsr-3184	158	13	independent	independent	ADJ
fsr-3184	158	14	variable	variable	NOUN
fsr-3184	158	15	can	can	AUX
fsr-3184	158	16	be	be	AUX
fsr-3184	158	17	estimated	estimate	VERB
fsr-3184	158	18	by	by	ADP
fsr-3184	158	19	maximum	maximum	ADJ
fsr-3184	158	20	likelihood	likelihood	NOUN
fsr-3184	158	21	.	.	PUNCT
fsr-3184	159	1	additionally	additionally	ADV
fsr-3184	159	2	,	,	PUNCT
fsr-3184	159	3	an	an	DET
fsr-3184	159	4	odds	odd	NOUN
fsr-3184	159	5	ratio	ratio	NOUN
fsr-3184	159	6	estimate	estimate	NOUN
fsr-3184	159	7	is	be	AUX
fsr-3184	159	8	generated	generate	VERB
fsr-3184	159	9	for	for	ADP
fsr-3184	159	10	each	each	DET
fsr-3184	159	11	independent	independent	ADJ
fsr-3184	159	12	variable	variable	NOUN
fsr-3184	159	13	(	(	PUNCT
fsr-3184	159	14	snedker	snedker	NOUN
fsr-3184	159	15	et	et	PROPN
fsr-3184	159	16	al	al	PROPN
fsr-3184	159	17	.	.	PROPN
fsr-3184	159	18	,	,	PUNCT
fsr-3184	159	19	2002	2002	NUM
fsr-3184	159	20	)	)	PUNCT
fsr-3184	159	21	.	.	PUNCT
fsr-3184	160	1	the	the	DET
fsr-3184	160	2	2010	2010	NUM
fsr-3184	160	3	scf	scf	PROPN
fsr-3184	160	4	contains	contain	VERB
fsr-3184	160	5	five	five	NUM
fsr-3184	160	6	implicates	implicate	NOUN
fsr-3184	160	7	,	,	PUNCT
fsr-3184	160	8	or	or	CCONJ
fsr-3184	160	9	five	five	NUM
fsr-3184	160	10	duplicate	duplicate	ADJ
fsr-3184	160	11	sets	set	NOUN
fsr-3184	160	12	of	of	ADP
fsr-3184	160	13	data	datum	NOUN
fsr-3184	160	14	that	that	PRON
fsr-3184	160	15	uses	use	VERB
fsr-3184	160	16	various	various	ADJ
fsr-3184	160	17	methods	method	NOUN
fsr-3184	160	18	to	to	PART
fsr-3184	160	19	account	account	VERB
fsr-3184	160	20	for	for	ADP
fsr-3184	160	21	missing	miss	VERB
fsr-3184	160	22	data	datum	NOUN
fsr-3184	160	23	.	.	PUNCT
fsr-3184	161	1	to	to	PART
fsr-3184	161	2	avoid	avoid	VERB
fsr-3184	161	3	analysis	analysis	NOUN
fsr-3184	161	4	errors	error	NOUN
fsr-3184	161	5	related	relate	VERB
fsr-3184	161	6	to	to	ADP
fsr-3184	161	7	these	these	DET
fsr-3184	161	8	five	five	NUM
fsr-3184	161	9	implicates	implicate	NOUN
fsr-3184	161	10	,	,	PUNCT
fsr-3184	161	11	researchers	researcher	NOUN
fsr-3184	161	12	use	use	VERB
fsr-3184	161	13	the	the	DET
fsr-3184	161	14	rii	rii	NOUN
fsr-3184	161	15	technique	technique	NOUN
fsr-3184	161	16	in	in	ADP
fsr-3184	161	17	this	this	DET
fsr-3184	161	18	study	study	NOUN
fsr-3184	161	19	.	.	PUNCT
fsr-3184	162	1	two	two	NUM
fsr-3184	162	2	ordered	order	VERB
fsr-3184	162	3	logistic	logistic	ADJ
fsr-3184	162	4	regression	regression	NOUN
fsr-3184	162	5	models	model	NOUN
fsr-3184	162	6	are	be	AUX
fsr-3184	162	7	estimated	estimate	VERB
fsr-3184	162	8	using	use	VERB
fsr-3184	162	9	the	the	DET
fsr-3184	162	10	low	low	ADJ
fsr-3184	162	11	-	-	PUNCT
fsr-3184	162	12	income	income	NOUN
fsr-3184	162	13	employee	employee	NOUN
fsr-3184	162	14	sub	sub	NOUN
fsr-3184	162	15	-	-	NOUN
fsr-3184	162	16	sample	sample	NOUN
fsr-3184	162	17	to	to	PART
fsr-3184	162	18	determine	determine	VERB
fsr-3184	162	19	significant	significant	ADJ
fsr-3184	162	20	factors	factor	NOUN
fsr-3184	162	21	affecting	affect	VERB
fsr-3184	162	22	the	the	DET
fsr-3184	162	23	savings	saving	NOUN
fsr-3184	162	24	behavior	behavior	NOUN
fsr-3184	162	25	and	and	CCONJ
fsr-3184	162	26	cash	cash	NOUN
fsr-3184	162	27	-	-	PUNCT
fsr-3184	162	28	flow	flow	NOUN
fsr-3184	162	29	33c.r	33c.r	NUM
fsr-3184	162	30	.	.	PUNCT
fsr-3184	163	1	hudson	hudson	PROPN
fsr-3184	163	2	,	,	PUNCT
fsr-3184	163	3	l.	l.	PROPN
fsr-3184	163	4	palmer	palmer	PROPN
fsr-3184	163	5	/	/	SYM
fsr-3184	163	6	financial	financial	ADJ
fsr-3184	163	7	services	service	NOUN
fsr-3184	163	8	review	review	VERB
fsr-3184	163	9	23	23	NUM
fsr-3184	163	10	(	(	PUNCT
fsr-3184	163	11	2014	2014	NUM
fsr-3184	163	12	)	)	PUNCT
fsr-3184	163	13	25–43	25–43	NUM
fsr-3184	163	14	management	management	NOUN
fsr-3184	163	15	behaviors	behavior	NOUN
fsr-3184	163	16	of	of	ADP
fsr-3184	163	17	low	low	ADJ
fsr-3184	163	18	-	-	PUNCT
fsr-3184	163	19	income	income	NOUN
fsr-3184	163	20	employees	employee	NOUN
fsr-3184	163	21	.	.	PUNCT
fsr-3184	164	1	these	these	DET
fsr-3184	164	2	two	two	NUM
fsr-3184	164	3	ordered	order	VERB
fsr-3184	164	4	logistic	logistic	ADJ
fsr-3184	164	5	regression	regression	NOUN
fsr-3184	164	6	models	model	NOUN
fsr-3184	164	7	are	be	AUX
fsr-3184	164	8	as	as	SCONJ
fsr-3184	164	9	follows	follow	VERB
fsr-3184	164	10	:	:	PUNCT
fsr-3184	164	11	savings	saving	NOUN
fsr-3184	164	12	index	index	NOUN
fsr-3184	164	13	#	#	NOUN
fsr-3184	164	14	b0	b0	NOUN
fsr-3184	164	15	!	!	PUNCT
fsr-3184	165	1	b1	b1	VERB
fsr-3184	165	2	formal	formal	ADJ
fsr-3184	165	3	advisor	advisor	PROPN
fsr-3184	165	4	!	!	PROPN
fsr-3184	165	5	b2	b2	PROPN
fsr-3184	165	6	planning	planning	NOUN
fsr-3184	165	7	!	!	PUNCT
fsr-3184	166	1	b3	b3	NOUN
fsr-3184	166	2	minority	minority	NOUN
fsr-3184	166	3	!	!	PUNCT
fsr-3184	167	1	b4	b4	VERB
fsr-3184	167	2	self	self	NOUN
fsr-3184	167	3	-	-	PUNCT
fsr-3184	167	4	employed	employ	VERB
fsr-3184	167	5	!	!	PUNCT
fsr-3184	168	1	b5	b5	NOUN
fsr-3184	168	2	education	education	NOUN
fsr-3184	168	3	!	!	PUNCT
fsr-3184	169	1	b6	b6	NOUN
fsr-3184	169	2	male	male	NOUN
fsr-3184	169	3	!	!	PUNCT
fsr-3184	170	1	b7	b7	PROPN
fsr-3184	170	2	age	age	NOUN
fsr-3184	170	3	!	!	PUNCT
fsr-3184	171	1	e	e	X
fsr-3184	171	2	(	(	PUNCT
fsr-3184	171	3	4	4	X
fsr-3184	171	4	)	)	PUNCT
fsr-3184	171	5	cash	cash	NOUN
fsr-3184	171	6	-	-	PUNCT
fsr-3184	171	7	flow	flow	NOUN
fsr-3184	171	8	index	index	NOUN
fsr-3184	171	9	#	#	NOUN
fsr-3184	171	10	b0	b0	NOUN
fsr-3184	171	11	!	!	PUNCT
fsr-3184	172	1	b1	b1	PROPN
fsr-3184	172	2	formal	formal	ADJ
fsr-3184	172	3	advisor	advisor	PROPN
fsr-3184	172	4	!	!	PROPN
fsr-3184	172	5	b2	b2	PROPN
fsr-3184	172	6	planning	planning	NOUN
fsr-3184	172	7	!	!	PUNCT
fsr-3184	173	1	b3	b3	NOUN
fsr-3184	173	2	minority	minority	NOUN
fsr-3184	173	3	!	!	PUNCT
fsr-3184	174	1	b4	b4	VERB
fsr-3184	174	2	self	self	NOUN
fsr-3184	174	3	-	-	PUNCT
fsr-3184	174	4	employed	employ	VERB
fsr-3184	174	5	!	!	PUNCT
fsr-3184	175	1	b5	b5	NOUN
fsr-3184	175	2	education	education	NOUN
fsr-3184	175	3	!	!	PUNCT
fsr-3184	176	1	b6	b6	NOUN
fsr-3184	176	2	male	male	NOUN
fsr-3184	176	3	!	!	PUNCT
fsr-3184	177	1	b7	b7	PROPN
fsr-3184	177	2	age	age	NOUN
fsr-3184	177	3	!	!	PUNCT
fsr-3184	178	1	e	e	X
fsr-3184	178	2	(	(	PUNCT
fsr-3184	178	3	5	5	NUM
fsr-3184	178	4	)	)	PUNCT
fsr-3184	178	5	for	for	ADP
fsr-3184	178	6	comparison	comparison	NOUN
fsr-3184	178	7	purposes	purpose	NOUN
fsr-3184	178	8	,	,	PUNCT
fsr-3184	178	9	two	two	NUM
fsr-3184	178	10	ordered	order	VERB
fsr-3184	178	11	logistic	logistic	ADJ
fsr-3184	178	12	regression	regression	NOUN
fsr-3184	178	13	models	model	NOUN
fsr-3184	178	14	also	also	ADV
fsr-3184	178	15	are	be	AUX
fsr-3184	178	16	estimated	estimate	VERB
fsr-3184	178	17	using	use	VERB
fsr-3184	178	18	data	datum	NOUN
fsr-3184	178	19	for	for	ADP
fsr-3184	178	20	the	the	DET
fsr-3184	178	21	middle	middle	ADJ
fsr-3184	178	22	-	-	PUNCT
fsr-3184	178	23	income	income	NOUN
fsr-3184	178	24	and	and	CCONJ
fsr-3184	178	25	high	high	ADJ
fsr-3184	178	26	-	-	PUNCT
fsr-3184	178	27	income	income	NOUN
fsr-3184	178	28	employee	employee	NOUN
fsr-3184	178	29	subsamples	subsample	NOUN
fsr-3184	178	30	to	to	PART
fsr-3184	178	31	assess	assess	VERB
fsr-3184	178	32	the	the	DET
fsr-3184	178	33	relationship	relationship	NOUN
fsr-3184	178	34	between	between	ADP
fsr-3184	178	35	their	their	PRON
fsr-3184	178	36	dependent	dependent	ADJ
fsr-3184	178	37	and	and	CCONJ
fsr-3184	178	38	independent	independent	ADJ
fsr-3184	178	39	variables	variable	NOUN
fsr-3184	178	40	.	.	PUNCT
fsr-3184	179	1	5	5	X
fsr-3184	179	2	.	.	X
fsr-3184	179	3	results	result	VERB
fsr-3184	179	4	5.1	5.1	NUM
fsr-3184	179	5	.	.	PUNCT
fsr-3184	180	1	socioeconomic	socioeconomic	ADJ
fsr-3184	180	2	characteristics	characteristic	NOUN
fsr-3184	180	3	of	of	ADP
fsr-3184	180	4	the	the	DET
fsr-3184	180	5	three	three	NUM
fsr-3184	180	6	income	income	NOUN
fsr-3184	180	7	subsamples	subsample	NOUN
fsr-3184	180	8	this	this	DET
fsr-3184	180	9	section	section	NOUN
fsr-3184	180	10	presents	present	VERB
fsr-3184	180	11	socioeconomic	socioeconomic	ADJ
fsr-3184	180	12	characteristics	characteristic	NOUN
fsr-3184	180	13	and	and	CCONJ
fsr-3184	180	14	descriptive	descriptive	ADJ
fsr-3184	180	15	results	result	NOUN
fsr-3184	180	16	for	for	ADP
fsr-3184	180	17	the	the	DET
fsr-3184	180	18	three	three	NUM
fsr-3184	180	19	employee	employee	NOUN
fsr-3184	180	20	income	income	NOUN
fsr-3184	180	21	subsamples	subsample	NOUN
fsr-3184	180	22	:	:	PUNCT
fsr-3184	180	23	(	(	PUNCT
fsr-3184	180	24	1	1	X
fsr-3184	180	25	)	)	PUNCT
fsr-3184	180	26	low	low	ADJ
fsr-3184	180	27	-	-	PUNCT
fsr-3184	180	28	income	income	NOUN
fsr-3184	180	29	employees	employee	NOUN
fsr-3184	180	30	,	,	PUNCT
fsr-3184	180	31	(	(	PUNCT
fsr-3184	180	32	2	2	X
fsr-3184	180	33	)	)	PUNCT
fsr-3184	180	34	middle	middle	ADJ
fsr-3184	180	35	-	-	PUNCT
fsr-3184	180	36	income	income	NOUN
fsr-3184	180	37	employees	employee	NOUN
fsr-3184	180	38	,	,	PUNCT
fsr-3184	180	39	and	and	CCONJ
fsr-3184	180	40	(	(	PUNCT
fsr-3184	180	41	3	3	X
fsr-3184	180	42	)	)	PUNCT
fsr-3184	180	43	high	high	ADJ
fsr-3184	180	44	-	-	PUNCT
fsr-3184	180	45	income	income	NOUN
fsr-3184	180	46	employees	employee	NOUN
fsr-3184	180	47	.	.	PUNCT
fsr-3184	181	1	the	the	DET
fsr-3184	181	2	demographic	demographic	ADJ
fsr-3184	181	3	and	and	CCONJ
fsr-3184	181	4	socioeconomic	socioeconomic	ADJ
fsr-3184	181	5	characteristics	characteristic	NOUN
fsr-3184	181	6	and	and	CCONJ
fsr-3184	181	7	descriptive	descriptive	ADJ
fsr-3184	181	8	results	result	NOUN
fsr-3184	181	9	are	be	AUX
fsr-3184	181	10	reported	report	VERB
fsr-3184	181	11	in	in	ADP
fsr-3184	181	12	tables	table	NOUN
fsr-3184	181	13	3	3	NUM
fsr-3184	181	14	and	and	CCONJ
fsr-3184	181	15	4	4	NUM
fsr-3184	181	16	.	.	PUNCT
fsr-3184	182	1	the	the	DET
fsr-3184	182	2	employee	employee	NOUN
fsr-3184	182	3	sample	sample	NOUN
fsr-3184	182	4	for	for	ADP
fsr-3184	182	5	this	this	DET
fsr-3184	182	6	current	current	ADJ
fsr-3184	182	7	study	study	NOUN
fsr-3184	182	8	is	be	AUX
fsr-3184	182	9	created	create	VERB
fsr-3184	182	10	by	by	ADP
fsr-3184	182	11	segmenting	segment	VERB
fsr-3184	182	12	data	datum	NOUN
fsr-3184	182	13	within	within	ADP
fsr-3184	182	14	the	the	DET
fsr-3184	182	15	2010	2010	NUM
fsr-3184	182	16	scf	scf	NOUN
fsr-3184	182	17	by	by	ADP
fsr-3184	182	18	employment	employment	NOUN
fsr-3184	182	19	status	status	NOUN
fsr-3184	182	20	.	.	PUNCT
fsr-3184	183	1	this	this	DET
fsr-3184	183	2	larger	large	ADJ
fsr-3184	183	3	employee	employee	NOUN
fsr-3184	183	4	sample	sample	NOUN
fsr-3184	183	5	is	be	AUX
fsr-3184	183	6	further	far	ADV
fsr-3184	183	7	segmented	segment	VERB
fsr-3184	183	8	to	to	PART
fsr-3184	183	9	create	create	VERB
fsr-3184	183	10	three	three	NUM
fsr-3184	183	11	income	income	NOUN
fsr-3184	183	12	subsamples	subsample	NOUN
fsr-3184	183	13	:	:	PUNCT
fsr-3184	183	14	(	(	PUNCT
fsr-3184	183	15	1	1	X
fsr-3184	183	16	)	)	PUNCT
fsr-3184	183	17	the	the	DET
fsr-3184	183	18	focal	focal	ADJ
fsr-3184	183	19	group	group	NOUN
fsr-3184	183	20	,	,	PUNCT
fsr-3184	183	21	low	low	ADJ
fsr-3184	183	22	-	-	PUNCT
fsr-3184	183	23	income	income	NOUN
fsr-3184	183	24	employees	employee	NOUN
fsr-3184	183	25	,	,	PUNCT
fsr-3184	183	26	(	(	PUNCT
fsr-3184	183	27	2	2	X
fsr-3184	183	28	)	)	PUNCT
fsr-3184	183	29	middle	middle	ADJ
fsr-3184	183	30	-	-	PUNCT
fsr-3184	183	31	income	income	NOUN
fsr-3184	183	32	employees	employee	NOUN
fsr-3184	183	33	,	,	PUNCT
fsr-3184	183	34	and	and	CCONJ
fsr-3184	183	35	(	(	PUNCT
fsr-3184	183	36	3	3	X
fsr-3184	183	37	)	)	PUNCT
fsr-3184	183	38	high	high	ADJ
fsr-3184	183	39	-	-	PUNCT
fsr-3184	183	40	income	income	NOUN
fsr-3184	183	41	employees	employee	NOUN
fsr-3184	183	42	,	,	PUNCT
fsr-3184	183	43	which	which	PRON
fsr-3184	183	44	is	be	AUX
fsr-3184	183	45	based	base	VERB
fsr-3184	183	46	on	on	ADP
fsr-3184	183	47	household	household	NOUN
fsr-3184	183	48	income	income	NOUN
fsr-3184	183	49	and	and	CCONJ
fsr-3184	183	50	household	household	NOUN
fsr-3184	183	51	size	size	NOUN
fsr-3184	183	52	.	.	PUNCT
fsr-3184	184	1	the	the	DET
fsr-3184	184	2	focal	focal	ADJ
fsr-3184	184	3	group	group	NOUN
fsr-3184	184	4	contains	contain	VERB
fsr-3184	184	5	1,060	1,060	NUM
fsr-3184	184	6	low	low	ADJ
fsr-3184	184	7	-	-	PUNCT
fsr-3184	184	8	income	income	NOUN
fsr-3184	184	9	employees	employee	NOUN
fsr-3184	184	10	and	and	CCONJ
fsr-3184	184	11	the	the	DET
fsr-3184	184	12	sample	sample	NOUN
fsr-3184	184	13	contains	contain	VERB
fsr-3184	184	14	1,432	1,432	NUM
fsr-3184	184	15	middle	middle	ADJ
fsr-3184	184	16	-	-	PUNCT
fsr-3184	184	17	income	income	NOUN
fsr-3184	184	18	employees	employee	NOUN
fsr-3184	184	19	and	and	CCONJ
fsr-3184	184	20	1,787	1,787	NUM
fsr-3184	184	21	high	high	ADJ
fsr-3184	184	22	-	-	PUNCT
fsr-3184	184	23	income	income	NOUN
fsr-3184	184	24	employees	employee	NOUN
fsr-3184	184	25	.	.	PUNCT
fsr-3184	185	1	the	the	DET
fsr-3184	185	2	majority	majority	NOUN
fsr-3184	185	3	of	of	ADP
fsr-3184	185	4	respondents	respondent	NOUN
fsr-3184	185	5	who	who	PRON
fsr-3184	185	6	are	be	AUX
fsr-3184	185	7	low	low	ADJ
fsr-3184	185	8	-	-	PUNCT
fsr-3184	185	9	income	income	NOUN
fsr-3184	185	10	employees	employee	NOUN
fsr-3184	185	11	live	live	VERB
fsr-3184	185	12	in	in	ADP
fsr-3184	185	13	households	household	NOUN
fsr-3184	185	14	with	with	ADP
fsr-3184	185	15	one	one	NUM
fsr-3184	185	16	to	to	PART
fsr-3184	185	17	three	three	NUM
fsr-3184	185	18	people	people	NOUN
fsr-3184	185	19	(	(	PUNCT
fsr-3184	185	20	59	59	NUM
fsr-3184	185	21	%	%	NOUN
fsr-3184	185	22	)	)	PUNCT
fsr-3184	185	23	,	,	PUNCT
fsr-3184	185	24	including	include	VERB
fsr-3184	185	25	themselves	themselves	PRON
fsr-3184	185	26	,	,	PUNCT
fsr-3184	185	27	whereas	whereas	SCONJ
fsr-3184	185	28	the	the	DET
fsr-3184	185	29	smallest	small	ADJ
fsr-3184	185	30	percentage	percentage	NOUN
fsr-3184	185	31	of	of	ADP
fsr-3184	185	32	low	low	ADJ
fsr-3184	185	33	-	-	PUNCT
fsr-3184	185	34	income	income	NOUN
fsr-3184	185	35	employees	employee	NOUN
fsr-3184	185	36	(	(	PUNCT
fsr-3184	185	37	3	3	NUM
fsr-3184	185	38	%	%	NOUN
fsr-3184	185	39	)	)	PUNCT
fsr-3184	185	40	lives	live	VERB
fsr-3184	185	41	in	in	ADP
fsr-3184	185	42	households	household	NOUN
fsr-3184	185	43	with	with	ADP
fsr-3184	185	44	seven	seven	NUM
fsr-3184	185	45	to	to	PART
fsr-3184	185	46	ten	ten	NUM
fsr-3184	185	47	people	people	NOUN
fsr-3184	185	48	(	(	PUNCT
fsr-3184	185	49	table	table	NOUN
fsr-3184	185	50	3	3	NUM
fsr-3184	185	51	)	)	PUNCT
fsr-3184	185	52	.	.	PUNCT
fsr-3184	186	1	the	the	DET
fsr-3184	186	2	mean	mean	ADJ
fsr-3184	186	3	household	household	NOUN
fsr-3184	186	4	size	size	NOUN
fsr-3184	186	5	of	of	ADP
fsr-3184	186	6	low	low	ADJ
fsr-3184	186	7	-	-	PUNCT
fsr-3184	186	8	income	income	NOUN
fsr-3184	186	9	employees	employee	NOUN
fsr-3184	186	10	is	be	AUX
fsr-3184	186	11	3.2	3.2	NUM
fsr-3184	186	12	people	people	NOUN
fsr-3184	186	13	,	,	PUNCT
fsr-3184	186	14	which	which	PRON
fsr-3184	186	15	is	be	AUX
fsr-3184	186	16	significantly	significantly	ADV
fsr-3184	186	17	larger	large	ADJ
fsr-3184	186	18	than	than	ADP
fsr-3184	186	19	the	the	DET
fsr-3184	186	20	mean	mean	ADJ
fsr-3184	186	21	household	household	NOUN
fsr-3184	186	22	size	size	NOUN
fsr-3184	186	23	of	of	ADP
fsr-3184	186	24	middle	middle	ADJ
fsr-3184	186	25	-	-	PUNCT
fsr-3184	186	26	income	income	NOUN
fsr-3184	186	27	employees	employee	NOUN
fsr-3184	186	28	that	that	PRON
fsr-3184	186	29	is	be	AUX
fsr-3184	186	30	2.8	2.8	NUM
fsr-3184	186	31	(	(	PUNCT
fsr-3184	186	32	t	t	PROPN
fsr-3184	186	33	(	(	PUNCT
fsr-3184	186	34	2,492	2,492	NUM
fsr-3184	186	35	)	)	PUNCT
fsr-3184	186	36	#	#	NOUN
fsr-3184	186	37	6.12	6.12	NUM
fsr-3184	186	38	,	,	PUNCT
fsr-3184	186	39	p	p	NOUN
fsr-3184	186	40	"	"	PUNCT
fsr-3184	186	41	0.0001	0.0001	NUM
fsr-3184	186	42	)	)	PUNCT
fsr-3184	186	43	and	and	CCONJ
fsr-3184	186	44	even	even	ADV
fsr-3184	186	45	larger	large	ADJ
fsr-3184	186	46	than	than	ADP
fsr-3184	186	47	the	the	DET
fsr-3184	186	48	mean	mean	ADJ
fsr-3184	186	49	household	household	NOUN
fsr-3184	186	50	size	size	NOUN
fsr-3184	186	51	of	of	ADP
fsr-3184	186	52	high	high	ADJ
fsr-3184	186	53	-	-	PUNCT
fsr-3184	186	54	income	income	NOUN
fsr-3184	186	55	employees	employee	NOUN
fsr-3184	186	56	that	that	PRON
fsr-3184	186	57	is	be	AUX
fsr-3184	186	58	2.7(t	2.7(t	NUM
fsr-3184	186	59	(	(	PUNCT
fsr-3184	186	60	2,847	2,847	NUM
fsr-3184	186	61	)	)	PUNCT
fsr-3184	186	62	#	#	NOUN
fsr-3184	186	63	9.41	9.41	NUM
fsr-3184	186	64	,	,	PUNCT
fsr-3184	186	65	p	p	NOUN
fsr-3184	186	66	"	"	PUNCT
fsr-3184	186	67	0.0001	0.0001	NUM
fsr-3184	186	68	)	)	PUNCT
fsr-3184	186	69	(	(	PUNCT
fsr-3184	186	70	table	table	NOUN
fsr-3184	186	71	4	4	NUM
fsr-3184	186	72	)	)	PUNCT
fsr-3184	186	73	.	.	PUNCT
fsr-3184	187	1	however	however	ADV
fsr-3184	187	2	,	,	PUNCT
fsr-3184	187	3	like	like	ADP
fsr-3184	187	4	low	low	ADJ
fsr-3184	187	5	-	-	PUNCT
fsr-3184	187	6	income	income	NOUN
fsr-3184	187	7	employees	employee	NOUN
fsr-3184	187	8	,	,	PUNCT
fsr-3184	187	9	the	the	DET
fsr-3184	187	10	majority	majority	NOUN
fsr-3184	187	11	of	of	ADP
fsr-3184	187	12	middleincome	middleincome	PROPN
fsr-3184	187	13	employees	employee	NOUN
fsr-3184	187	14	(	(	PUNCT
fsr-3184	187	15	67	67	NUM
fsr-3184	187	16	%	%	NOUN
fsr-3184	187	17	)	)	PUNCT
fsr-3184	187	18	and	and	CCONJ
fsr-3184	187	19	high	high	ADJ
fsr-3184	187	20	-	-	PUNCT
fsr-3184	187	21	income	income	NOUN
fsr-3184	187	22	employees	employee	NOUN
fsr-3184	187	23	(	(	PUNCT
fsr-3184	187	24	76	76	NUM
fsr-3184	187	25	%	%	NOUN
fsr-3184	187	26	)	)	PUNCT
fsr-3184	187	27	live	live	VERB
fsr-3184	187	28	in	in	ADP
fsr-3184	187	29	households	household	NOUN
fsr-3184	187	30	with	with	ADP
fsr-3184	187	31	one	one	NUM
fsr-3184	187	32	to	to	ADP
fsr-3184	187	33	three	three	NUM
fsr-3184	187	34	people	people	NOUN
fsr-3184	187	35	,	,	PUNCT
fsr-3184	187	36	including	include	VERB
fsr-3184	187	37	themselves	themselves	PRON
fsr-3184	187	38	(	(	PUNCT
fsr-3184	187	39	table	table	NOUN
fsr-3184	187	40	3	3	NUM
fsr-3184	187	41	)	)	PUNCT
fsr-3184	187	42	.	.	PUNCT
fsr-3184	188	1	as	as	ADP
fsr-3184	188	2	for	for	ADP
fsr-3184	188	3	race	race	NOUN
fsr-3184	188	4	,	,	PUNCT
fsr-3184	188	5	the	the	DET
fsr-3184	188	6	majority	majority	NOUN
fsr-3184	188	7	of	of	ADP
fsr-3184	188	8	low	low	ADJ
fsr-3184	188	9	-	-	PUNCT
fsr-3184	188	10	income	income	NOUN
fsr-3184	188	11	employees	employee	NOUN
fsr-3184	188	12	are	be	AUX
fsr-3184	188	13	white	white	ADJ
fsr-3184	188	14	(	(	PUNCT
fsr-3184	188	15	54	54	NUM
fsr-3184	188	16	%	%	NOUN
fsr-3184	188	17	)	)	PUNCT
fsr-3184	188	18	.	.	PUNCT
fsr-3184	189	1	however	however	ADV
fsr-3184	189	2	,	,	PUNCT
fsr-3184	189	3	minorities	minority	NOUN
fsr-3184	189	4	are	be	AUX
fsr-3184	189	5	predominant	predominant	ADJ
fsr-3184	189	6	among	among	ADP
fsr-3184	189	7	low	low	ADJ
fsr-3184	189	8	-	-	PUNCT
fsr-3184	189	9	income	income	NOUN
fsr-3184	189	10	employees	employee	NOUN
fsr-3184	189	11	(	(	PUNCT
fsr-3184	189	12	46	46	NUM
fsr-3184	189	13	%	%	NOUN
fsr-3184	189	14	)	)	PUNCT
fsr-3184	189	15	in	in	ADP
fsr-3184	189	16	comparison	comparison	NOUN
fsr-3184	189	17	to	to	ADP
fsr-3184	189	18	the	the	DET
fsr-3184	189	19	percentage	percentage	NOUN
fsr-3184	189	20	of	of	ADP
fsr-3184	189	21	middle	middle	ADJ
fsr-3184	189	22	-	-	PUNCT
fsr-3184	189	23	income	income	NOUN
fsr-3184	189	24	minority	minority	NOUN
fsr-3184	189	25	employees	employee	NOUN
fsr-3184	189	26	(	(	PUNCT
fsr-3184	189	27	30	30	NUM
fsr-3184	189	28	%	%	NOUN
fsr-3184	189	29	)	)	PUNCT
fsr-3184	189	30	and	and	CCONJ
fsr-3184	189	31	high	high	ADJ
fsr-3184	189	32	-	-	PUNCT
fsr-3184	189	33	income	income	NOUN
fsr-3184	189	34	minority	minority	NOUN
fsr-3184	189	35	employees	employee	NOUN
fsr-3184	189	36	(	(	PUNCT
fsr-3184	189	37	18	18	NUM
fsr-3184	189	38	%	%	NOUN
fsr-3184	189	39	)	)	PUNCT
fsr-3184	189	40	.	.	PUNCT
fsr-3184	190	1	34	34	NUM
fsr-3184	190	2	c.r	c.r	PROPN
fsr-3184	190	3	.	.	PROPN
fsr-3184	190	4	hudson	hudson	PROPN
fsr-3184	190	5	,	,	PUNCT
fsr-3184	190	6	l.	l.	PROPN
fsr-3184	190	7	palmer	palmer	PROPN
fsr-3184	190	8	/	/	SYM
fsr-3184	190	9	financial	financial	ADJ
fsr-3184	190	10	services	service	NOUN
fsr-3184	190	11	review	review	VERB
fsr-3184	190	12	23	23	NUM
fsr-3184	190	13	(	(	PUNCT
fsr-3184	190	14	2014	2014	NUM
fsr-3184	190	15	)	)	PUNCT
fsr-3184	190	16	25–43	25–43	NUM
fsr-3184	190	17	hispanics	hispanic	NOUN
fsr-3184	190	18	(	(	PUNCT
fsr-3184	190	19	24	24	NUM
fsr-3184	190	20	%	%	NOUN
fsr-3184	190	21	)	)	PUNCT
fsr-3184	190	22	represent	represent	VERB
fsr-3184	190	23	the	the	DET
fsr-3184	190	24	largest	large	ADJ
fsr-3184	190	25	percentage	percentage	NOUN
fsr-3184	190	26	of	of	ADP
fsr-3184	190	27	minorities	minority	NOUN
fsr-3184	190	28	in	in	ADP
fsr-3184	190	29	the	the	DET
fsr-3184	190	30	low	low	ADJ
fsr-3184	190	31	-	-	PUNCT
fsr-3184	190	32	income	income	NOUN
fsr-3184	190	33	employee	employee	NOUN
fsr-3184	190	34	subsample	subsample	NOUN
fsr-3184	190	35	.	.	PUNCT
fsr-3184	191	1	blacks	black	NOUN
fsr-3184	191	2	represent	represent	VERB
fsr-3184	191	3	the	the	DET
fsr-3184	191	4	largest	large	ADJ
fsr-3184	191	5	percentage	percentage	NOUN
fsr-3184	191	6	of	of	ADP
fsr-3184	191	7	minorities	minority	NOUN
fsr-3184	191	8	in	in	ADP
fsr-3184	191	9	the	the	DET
fsr-3184	191	10	middle	middle	ADJ
fsr-3184	191	11	-	-	PUNCT
fsr-3184	191	12	income	income	NOUN
fsr-3184	191	13	subsample	subsample	NOUN
fsr-3184	191	14	(	(	PUNCT
fsr-3184	191	15	13	13	NUM
fsr-3184	191	16	%	%	NOUN
fsr-3184	191	17	)	)	PUNCT
fsr-3184	191	18	.	.	PUNCT
fsr-3184	192	1	moreover	moreover	ADV
fsr-3184	192	2	,	,	PUNCT
fsr-3184	192	3	the	the	DET
fsr-3184	192	4	largest	large	ADJ
fsr-3184	192	5	percentage	percentage	NOUN
fsr-3184	192	6	of	of	ADP
fsr-3184	192	7	minorities	minority	NOUN
fsr-3184	192	8	in	in	ADP
fsr-3184	192	9	the	the	DET
fsr-3184	192	10	high	high	ADJ
fsr-3184	192	11	-	-	PUNCT
fsr-3184	192	12	income	income	NOUN
fsr-3184	192	13	subsample	subsample	NOUN
fsr-3184	192	14	is	be	AUX
fsr-3184	192	15	other	other	ADJ
fsr-3184	192	16	minorities	minority	NOUN
fsr-3184	192	17	(	(	PUNCT
fsr-3184	192	18	7	7	NUM
fsr-3184	192	19	%	%	NOUN
fsr-3184	192	20	)	)	PUNCT
fsr-3184	192	21	(	(	PUNCT
fsr-3184	192	22	table	table	NOUN
fsr-3184	192	23	3	3	NUM
fsr-3184	192	24	)	)	PUNCT
fsr-3184	192	25	.	.	PUNCT
fsr-3184	193	1	at	at	ADP
fsr-3184	193	2	the	the	DET
fsr-3184	193	3	time	time	NOUN
fsr-3184	193	4	of	of	ADP
fsr-3184	193	5	the	the	DET
fsr-3184	193	6	survey	survey	NOUN
fsr-3184	193	7	,	,	PUNCT
fsr-3184	193	8	the	the	DET
fsr-3184	193	9	mean	mean	ADJ
fsr-3184	193	10	age	age	NOUN
fsr-3184	193	11	of	of	ADP
fsr-3184	193	12	low	low	ADJ
fsr-3184	193	13	-	-	PUNCT
fsr-3184	193	14	income	income	NOUN
fsr-3184	193	15	employees	employee	NOUN
fsr-3184	193	16	is	be	AUX
fsr-3184	193	17	42	42	NUM
fsr-3184	193	18	.	.	PUNCT
fsr-3184	194	1	this	this	PRON
fsr-3184	194	2	is	be	AUX
fsr-3184	194	3	significantly	significantly	ADV
fsr-3184	194	4	younger	young	ADJ
fsr-3184	194	5	than	than	ADP
fsr-3184	194	6	the	the	DET
fsr-3184	194	7	mean	mean	ADJ
fsr-3184	194	8	age	age	NOUN
fsr-3184	194	9	of	of	ADP
fsr-3184	194	10	middleincome	middleincome	PROPN
fsr-3184	194	11	employees	employee	NOUN
fsr-3184	194	12	that	that	PRON
fsr-3184	194	13	is	be	AUX
fsr-3184	194	14	44	44	NUM
fsr-3184	194	15	(	(	PUNCT
fsr-3184	194	16	t	t	PROPN
fsr-3184	194	17	(	(	PUNCT
fsr-3184	194	18	2,492	2,492	NUM
fsr-3184	194	19	)	)	PUNCT
fsr-3184	194	20	#	#	NOUN
fsr-3184	194	21	(	(	PUNCT
fsr-3184	194	22	3.36	3.36	NUM
fsr-3184	194	23	,	,	PUNCT
fsr-3184	194	24	p	p	NOUN
fsr-3184	194	25	"	"	PUNCT
fsr-3184	194	26	0.0008	0.0008	NUM
fsr-3184	194	27	)	)	PUNCT
fsr-3184	194	28	and	and	CCONJ
fsr-3184	194	29	even	even	ADV
fsr-3184	194	30	younger	young	ADJ
fsr-3184	194	31	than	than	ADP
fsr-3184	194	32	the	the	DET
fsr-3184	194	33	mean	mean	ADJ
fsr-3184	194	34	age	age	NOUN
fsr-3184	194	35	of	of	ADP
fsr-3184	194	36	high	high	ADJ
fsr-3184	194	37	-	-	PUNCT
fsr-3184	194	38	income	income	NOUN
fsr-3184	194	39	employees	employee	NOUN
fsr-3184	194	40	,	,	PUNCT
fsr-3184	194	41	which	which	PRON
fsr-3184	194	42	is	be	AUX
fsr-3184	194	43	51	51	NUM
fsr-3184	194	44	(	(	PUNCT
fsr-3184	194	45	t	t	PROPN
fsr-3184	194	46	(	(	PUNCT
fsr-3184	194	47	2,847	2,847	NUM
fsr-3184	194	48	)	)	PUNCT
fsr-3184	194	49	#	#	NOUN
fsr-3184	194	50	(	(	PUNCT
fsr-3184	194	51	17.51	17.51	NUM
fsr-3184	194	52	,	,	PUNCT
fsr-3184	194	53	p	p	NOUN
fsr-3184	194	54	"	"	PUNCT
fsr-3184	194	55	0.0001	0.0001	NUM
fsr-3184	194	56	)	)	PUNCT
fsr-3184	194	57	.	.	PUNCT
fsr-3184	195	1	the	the	DET
fsr-3184	195	2	mean	mean	ADJ
fsr-3184	195	3	household	household	NOUN
fsr-3184	195	4	income	income	NOUN
fsr-3184	195	5	of	of	ADP
fsr-3184	195	6	low	low	ADJ
fsr-3184	195	7	-	-	PUNCT
fsr-3184	195	8	income	income	NOUN
fsr-3184	195	9	employees	employee	NOUN
fsr-3184	195	10	is	be	AUX
fsr-3184	195	11	$	$	SYM
fsr-3184	195	12	23,078	23,078	NUM
fsr-3184	195	13	,	,	PUNCT
fsr-3184	195	14	whereas	whereas	SCONJ
fsr-3184	195	15	the	the	DET
fsr-3184	195	16	mean	mean	ADJ
fsr-3184	195	17	household	household	NOUN
fsr-3184	195	18	table	table	NOUN
fsr-3184	195	19	3	3	NUM
fsr-3184	195	20	socioeconomic	socioeconomic	ADJ
fsr-3184	195	21	characteristics	characteristic	NOUN
fsr-3184	195	22	(	(	PUNCT
fsr-3184	195	23	percentage	percentage	NOUN
fsr-3184	195	24	of	of	ADP
fsr-3184	195	25	total	total	ADJ
fsr-3184	195	26	)	)	PUNCT
fsr-3184	195	27	characteristics	characteristic	NOUN
fsr-3184	195	28	percentage	percentage	NOUN
fsr-3184	195	29	of	of	ADP
fsr-3184	195	30	low	low	ADJ
fsr-3184	195	31	-	-	PUNCT
fsr-3184	195	32	income	income	NOUN
fsr-3184	195	33	employees	employee	NOUN
fsr-3184	195	34	(	(	PUNCT
fsr-3184	195	35	n	n	ADP
fsr-3184	195	36	#	#	NOUN
fsr-3184	195	37	1,060	1,060	NUM
fsr-3184	195	38	)	)	PUNCT
fsr-3184	195	39	percentage	percentage	NOUN
fsr-3184	195	40	of	of	ADP
fsr-3184	195	41	middle	middle	ADJ
fsr-3184	195	42	-	-	PUNCT
fsr-3184	195	43	income	income	NOUN
fsr-3184	195	44	employees	employee	NOUN
fsr-3184	195	45	(	(	PUNCT
fsr-3184	195	46	n	n	ADP
fsr-3184	195	47	#	#	NOUN
fsr-3184	195	48	1,432	1,432	NUM
fsr-3184	195	49	)	)	PUNCT
fsr-3184	195	50	percentage	percentage	NOUN
fsr-3184	195	51	of	of	ADP
fsr-3184	195	52	high	high	ADJ
fsr-3184	195	53	-	-	PUNCT
fsr-3184	195	54	income	income	NOUN
fsr-3184	195	55	employees	employee	NOUN
fsr-3184	195	56	(	(	PUNCT
fsr-3184	195	57	n	n	ADP
fsr-3184	195	58	#	#	NOUN
fsr-3184	195	59	1,787	1,787	NUM
fsr-3184	195	60	)	)	PUNCT
fsr-3184	195	61	household	household	NOUN
fsr-3184	195	62	size	size	NOUN
fsr-3184	195	63	1–3	1–3	NUM
fsr-3184	195	64	59	59	NUM
fsr-3184	195	65	%	%	NOUN
fsr-3184	195	66	67	67	NUM
fsr-3184	195	67	%	%	NOUN
fsr-3184	195	68	76	76	NUM
fsr-3184	195	69	%	%	NOUN
fsr-3184	195	70	4–6	4–6	NOUN
fsr-3184	195	71	38	38	NUM
fsr-3184	195	72	32	32	NUM
fsr-3184	195	73	24	24	NUM
fsr-3184	195	74	7–10	7–10	NOUN
fsr-3184	195	75	3	3	NUM
fsr-3184	195	76	1	1	NUM
fsr-3184	195	77	0	0	NUM
fsr-3184	195	78	gender	gender	NOUN
fsr-3184	195	79	male	male	NOUN
fsr-3184	195	80	65	65	NUM
fsr-3184	195	81	80	80	NUM
fsr-3184	195	82	89	89	NUM
fsr-3184	195	83	female	female	ADJ
fsr-3184	195	84	35	35	NUM
fsr-3184	195	85	20	20	NUM
fsr-3184	195	86	11	11	NUM
fsr-3184	195	87	race	race	NOUN
fsr-3184	195	88	white	white	ADJ
fsr-3184	195	89	54	54	NUM
fsr-3184	195	90	70	70	NUM
fsr-3184	195	91	82	82	NUM
fsr-3184	195	92	black	black	ADJ
fsr-3184	195	93	18	18	NUM
fsr-3184	195	94	13	13	NUM
fsr-3184	195	95	6	6	NUM
fsr-3184	195	96	hispanic	hispanic	NOUN
fsr-3184	195	97	24	24	NUM
fsr-3184	195	98	12	12	NUM
fsr-3184	195	99	5	5	NUM
fsr-3184	195	100	other	other	ADJ
fsr-3184	195	101	4	4	NUM
fsr-3184	195	102	5	5	NUM
fsr-3184	195	103	7	7	NUM
fsr-3184	195	104	marital	marital	ADJ
fsr-3184	195	105	status	status	NOUN
fsr-3184	195	106	married	marry	VERB
fsr-3184	195	107	45	45	NUM
fsr-3184	195	108	58	58	NUM
fsr-3184	195	109	77	77	NUM
fsr-3184	195	110	single	single	ADJ
fsr-3184	195	111	55	55	NUM
fsr-3184	195	112	42	42	NUM
fsr-3184	195	113	23	23	NUM
fsr-3184	195	114	education	education	NOUN
fsr-3184	195	115	less	less	ADJ
fsr-3184	195	116	than	than	ADP
fsr-3184	195	117	high	high	ADJ
fsr-3184	195	118	school	school	NOUN
fsr-3184	195	119	21	21	NUM
fsr-3184	195	120	7	7	NUM
fsr-3184	195	121	2	2	NUM
fsr-3184	195	122	graduated	graduate	VERB
fsr-3184	195	123	high	high	ADJ
fsr-3184	195	124	school	school	NOUN
fsr-3184	195	125	39	39	NUM
fsr-3184	195	126	31	31	NUM
fsr-3184	195	127	15	15	NUM
fsr-3184	195	128	some	some	DET
fsr-3184	195	129	college	college	NOUN
fsr-3184	195	130	24	24	NUM
fsr-3184	195	131	29	29	NUM
fsr-3184	195	132	19	19	NUM
fsr-3184	195	133	college	college	NOUN
fsr-3184	195	134	education	education	NOUN
fsr-3184	195	135	11	11	NUM
fsr-3184	195	136	22	22	NUM
fsr-3184	195	137	33	33	NUM
fsr-3184	195	138	graduate	graduate	NOUN
fsr-3184	195	139	degree	degree	NOUN
fsr-3184	195	140	5	5	NUM
fsr-3184	195	141	11	11	NUM
fsr-3184	195	142	31	31	NUM
fsr-3184	195	143	age	age	NOUN
fsr-3184	195	144	18–30	18–30	NUM
fsr-3184	195	145	24	24	NUM
fsr-3184	195	146	15	15	NUM
fsr-3184	195	147	9	9	NUM
fsr-3184	195	148	31–50	31–50	NUM
fsr-3184	195	149	49	49	NUM
fsr-3184	195	150	54	54	NUM
fsr-3184	195	151	49	49	NUM
fsr-3184	195	152	51	51	NUM
fsr-3184	195	153	!	!	PUNCT
fsr-3184	196	1	27	27	NUM
fsr-3184	196	2	31	31	NUM
fsr-3184	196	3	42	42	NUM
fsr-3184	196	4	table	table	NOUN
fsr-3184	196	5	4	4	NUM
fsr-3184	196	6	socioeconomic	socioeconomic	ADJ
fsr-3184	196	7	characteristics	characteristic	NOUN
fsr-3184	196	8	(	(	PUNCT
fsr-3184	196	9	mean	mean	NOUN
fsr-3184	196	10	and	and	CCONJ
fsr-3184	196	11	sd	sd	NOUN
fsr-3184	196	12	)	)	PUNCT
fsr-3184	196	13	characteristics	characteristic	VERB
fsr-3184	196	14	low	low	ADJ
fsr-3184	196	15	-	-	PUNCT
fsr-3184	196	16	income	income	NOUN
fsr-3184	196	17	employees	employee	NOUN
fsr-3184	196	18	middle	middle	ADJ
fsr-3184	196	19	-	-	PUNCT
fsr-3184	196	20	income	income	NOUN
fsr-3184	196	21	employees	employee	NOUN
fsr-3184	196	22	high	high	ADJ
fsr-3184	196	23	-	-	PUNCT
fsr-3184	196	24	income	income	NOUN
fsr-3184	196	25	employees	employee	NOUN
fsr-3184	196	26	mean	mean	VERB
fsr-3184	196	27	(	(	PUNCT
fsr-3184	196	28	sd	sd	NOUN
fsr-3184	196	29	)	)	PUNCT
fsr-3184	196	30	mean	mean	NOUN
fsr-3184	196	31	(	(	PUNCT
fsr-3184	196	32	sd	sd	NOUN
fsr-3184	196	33	)	)	PUNCT
fsr-3184	196	34	mean	mean	NOUN
fsr-3184	196	35	(	(	PUNCT
fsr-3184	196	36	sd	sd	NOUN
fsr-3184	196	37	)	)	PUNCT
fsr-3184	196	38	household	household	NOUN
fsr-3184	196	39	size	size	NOUN
fsr-3184	196	40	3.2	3.2	NUM
fsr-3184	196	41	1.6	1.6	NUM
fsr-3184	196	42	2.8	2.8	NUM
fsr-3184	196	43	1.5	1.5	NUM
fsr-3184	196	44	2.7	2.7	NUM
fsr-3184	196	45	1.3	1.3	NUM
fsr-3184	196	46	income	income	NOUN
fsr-3184	196	47	23,078	23,078	NUM
fsr-3184	196	48	11,673	11,673	NUM
fsr-3184	196	49	58,754	58,754	NUM
fsr-3184	196	50	23,205	23,205	NUM
fsr-3184	196	51	184,764	184,764	NUM
fsr-3184	196	52	13,282	13,282	NUM
fsr-3184	196	53	age	age	NOUN
fsr-3184	196	54	42	42	NUM
fsr-3184	196	55	14	14	NUM
fsr-3184	196	56	44	44	NUM
fsr-3184	196	57	11.7	11.7	NUM
fsr-3184	196	58	51	51	NUM
fsr-3184	196	59	11.8	11.8	NUM
fsr-3184	196	60	education	education	NOUN
fsr-3184	196	61	(	(	PUNCT
fsr-3184	196	62	years	year	NOUN
fsr-3184	196	63	completed	complete	VERB
fsr-3184	196	64	)	)	PUNCT
fsr-3184	196	65	12.3	12.3	NUM
fsr-3184	196	66	2.9	2.9	NUM
fsr-3184	196	67	13.7	13.7	NUM
fsr-3184	196	68	2.3	2.3	NUM
fsr-3184	196	69	15.5	15.5	NUM
fsr-3184	196	70	1.9	1.9	NUM
fsr-3184	196	71	35c.r	35c.r	NUM
fsr-3184	196	72	.	.	PUNCT
fsr-3184	197	1	hudson	hudson	PROPN
fsr-3184	197	2	,	,	PUNCT
fsr-3184	197	3	l.	l.	PROPN
fsr-3184	197	4	palmer	palmer	PROPN
fsr-3184	197	5	/	/	SYM
fsr-3184	197	6	financial	financial	ADJ
fsr-3184	197	7	services	service	NOUN
fsr-3184	197	8	review	review	VERB
fsr-3184	197	9	23	23	NUM
fsr-3184	197	10	(	(	PUNCT
fsr-3184	197	11	2014	2014	NUM
fsr-3184	197	12	)	)	PUNCT
fsr-3184	197	13	25–43	25–43	NUM
fsr-3184	197	14	income	income	NOUN
fsr-3184	197	15	of	of	ADP
fsr-3184	197	16	middle	middle	ADJ
fsr-3184	197	17	-	-	PUNCT
fsr-3184	197	18	income	income	NOUN
fsr-3184	197	19	employees	employee	NOUN
fsr-3184	197	20	is	be	AUX
fsr-3184	197	21	$	$	SYM
fsr-3184	197	22	58,754	58,754	NUM
fsr-3184	197	23	.	.	PUNCT
fsr-3184	198	1	finally	finally	ADV
fsr-3184	198	2	,	,	PUNCT
fsr-3184	198	3	the	the	DET
fsr-3184	198	4	mean	mean	ADJ
fsr-3184	198	5	household	household	NOUN
fsr-3184	198	6	income	income	NOUN
fsr-3184	198	7	of	of	ADP
fsr-3184	198	8	high	high	ADJ
fsr-3184	198	9	-	-	PUNCT
fsr-3184	198	10	income	income	NOUN
fsr-3184	198	11	employees	employee	NOUN
fsr-3184	198	12	is	be	AUX
fsr-3184	198	13	$	$	SYM
fsr-3184	198	14	184,764	184,764	NUM
fsr-3184	198	15	(	(	PUNCT
fsr-3184	198	16	table	table	NOUN
fsr-3184	198	17	4	4	NUM
fsr-3184	198	18	)	)	PUNCT
fsr-3184	198	19	.	.	PUNCT
fsr-3184	199	1	on	on	ADP
fsr-3184	199	2	average	average	ADJ
fsr-3184	199	3	,	,	PUNCT
fsr-3184	199	4	low	low	ADJ
fsr-3184	199	5	-	-	PUNCT
fsr-3184	199	6	income	income	NOUN
fsr-3184	199	7	employees	employee	NOUN
fsr-3184	199	8	complete	complete	VERB
fsr-3184	199	9	12.3	12.3	NUM
fsr-3184	199	10	years	year	NOUN
fsr-3184	199	11	of	of	ADP
fsr-3184	199	12	education	education	NOUN
fsr-3184	199	13	(	(	PUNCT
fsr-3184	199	14	table	table	NOUN
fsr-3184	199	15	4	4	NUM
fsr-3184	199	16	)	)	PUNCT
fsr-3184	199	17	,	,	PUNCT
fsr-3184	199	18	with	with	ADP
fsr-3184	199	19	the	the	DET
fsr-3184	199	20	largest	large	ADJ
fsr-3184	199	21	percentage	percentage	NOUN
fsr-3184	199	22	of	of	ADP
fsr-3184	199	23	low	low	ADJ
fsr-3184	199	24	-	-	PUNCT
fsr-3184	199	25	income	income	NOUN
fsr-3184	199	26	employees	employee	NOUN
fsr-3184	199	27	(	(	PUNCT
fsr-3184	199	28	39	39	NUM
fsr-3184	199	29	%	%	NOUN
fsr-3184	199	30	)	)	PUNCT
fsr-3184	199	31	graduating	graduate	VERB
fsr-3184	199	32	from	from	ADP
fsr-3184	199	33	high	high	ADJ
fsr-3184	199	34	school	school	NOUN
fsr-3184	199	35	and	and	CCONJ
fsr-3184	199	36	the	the	DET
fsr-3184	199	37	next	next	ADJ
fsr-3184	199	38	largest	large	ADJ
fsr-3184	199	39	percentage	percentage	NOUN
fsr-3184	199	40	(	(	PUNCT
fsr-3184	199	41	24	24	NUM
fsr-3184	199	42	%	%	NOUN
fsr-3184	199	43	)	)	PUNCT
fsr-3184	199	44	graduating	graduate	VERB
fsr-3184	199	45	from	from	ADP
fsr-3184	199	46	high	high	ADJ
fsr-3184	199	47	school	school	NOUN
fsr-3184	199	48	and	and	CCONJ
fsr-3184	199	49	completing	complete	VERB
fsr-3184	199	50	some	some	DET
fsr-3184	199	51	college	college	NOUN
fsr-3184	199	52	.	.	PUNCT
fsr-3184	200	1	the	the	DET
fsr-3184	200	2	largest	large	ADJ
fsr-3184	200	3	percentage	percentage	NOUN
fsr-3184	200	4	of	of	ADP
fsr-3184	200	5	middle	middle	ADJ
fsr-3184	200	6	-	-	PUNCT
fsr-3184	200	7	income	income	NOUN
fsr-3184	200	8	employees	employee	NOUN
fsr-3184	200	9	likewise	likewise	ADV
fsr-3184	200	10	graduates	graduate	VERB
fsr-3184	200	11	from	from	ADP
fsr-3184	200	12	high	high	ADJ
fsr-3184	200	13	school	school	NOUN
fsr-3184	200	14	(	(	PUNCT
fsr-3184	200	15	31	31	NUM
fsr-3184	200	16	%	%	NOUN
fsr-3184	200	17	)	)	PUNCT
fsr-3184	200	18	,	,	PUNCT
fsr-3184	200	19	followed	follow	VERB
fsr-3184	200	20	by	by	ADP
fsr-3184	200	21	the	the	DET
fsr-3184	200	22	next	next	ADJ
fsr-3184	200	23	largest	large	ADJ
fsr-3184	200	24	percentage	percentage	NOUN
fsr-3184	200	25	of	of	ADP
fsr-3184	200	26	middle	middle	ADJ
fsr-3184	200	27	-	-	PUNCT
fsr-3184	200	28	income	income	NOUN
fsr-3184	200	29	employees	employee	NOUN
fsr-3184	200	30	who	who	PRON
fsr-3184	200	31	not	not	PART
fsr-3184	200	32	only	only	ADV
fsr-3184	200	33	graduate	graduate	VERB
fsr-3184	200	34	from	from	ADP
fsr-3184	200	35	high	high	ADJ
fsr-3184	200	36	school	school	NOUN
fsr-3184	200	37	but	but	CCONJ
fsr-3184	200	38	also	also	ADV
fsr-3184	200	39	completes	complete	VERB
fsr-3184	200	40	some	some	DET
fsr-3184	200	41	years	year	NOUN
fsr-3184	200	42	of	of	ADP
fsr-3184	200	43	college	college	NOUN
fsr-3184	200	44	(	(	PUNCT
fsr-3184	200	45	29	29	NUM
fsr-3184	200	46	%	%	NOUN
fsr-3184	200	47	)	)	PUNCT
fsr-3184	200	48	.	.	PUNCT
fsr-3184	201	1	finally	finally	ADV
fsr-3184	201	2	,	,	PUNCT
fsr-3184	201	3	the	the	DET
fsr-3184	201	4	largest	large	ADJ
fsr-3184	201	5	percentage	percentage	NOUN
fsr-3184	201	6	of	of	ADP
fsr-3184	201	7	high	high	ADJ
fsr-3184	201	8	-	-	PUNCT
fsr-3184	201	9	income	income	NOUN
fsr-3184	201	10	employees	employee	NOUN
fsr-3184	201	11	obtains	obtain	VERB
fsr-3184	201	12	a	a	DET
fsr-3184	201	13	bachelor	bachelor	NOUN
fsr-3184	201	14	’s	’s	NOUN
fsr-3184	201	15	degree	degree	NOUN
fsr-3184	201	16	(	(	PUNCT
fsr-3184	201	17	33	33	NUM
fsr-3184	201	18	%	%	NOUN
fsr-3184	201	19	)	)	PUNCT
fsr-3184	201	20	,	,	PUNCT
fsr-3184	201	21	closely	closely	ADV
fsr-3184	201	22	followed	follow	VERB
fsr-3184	201	23	by	by	ADP
fsr-3184	201	24	those	those	PRON
fsr-3184	201	25	who	who	PRON
fsr-3184	201	26	obtain	obtain	VERB
fsr-3184	201	27	a	a	DET
fsr-3184	201	28	graduate	graduate	NOUN
fsr-3184	201	29	degree	degree	NOUN
fsr-3184	201	30	(	(	PUNCT
fsr-3184	201	31	31	31	NUM
fsr-3184	201	32	%	%	NOUN
fsr-3184	201	33	)	)	PUNCT
fsr-3184	201	34	(	(	PUNCT
fsr-3184	201	35	table	table	NOUN
fsr-3184	201	36	3	3	NUM
fsr-3184	201	37	)	)	PUNCT
fsr-3184	201	38	.	.	PUNCT
fsr-3184	202	1	5.2	5.2	NUM
fsr-3184	202	2	.	.	PUNCT
fsr-3184	202	3	ordered	order	VERB
fsr-3184	202	4	logistic	logistic	ADJ
fsr-3184	202	5	regression	regression	NOUN
fsr-3184	202	6	results	result	NOUN
fsr-3184	202	7	on	on	ADP
fsr-3184	202	8	cash	cash	NOUN
fsr-3184	202	9	-	-	PUNCT
fsr-3184	202	10	flow	flow	NOUN
fsr-3184	202	11	management	management	NOUN
fsr-3184	202	12	behaviors	behavior	NOUN
fsr-3184	202	13	the	the	DET
fsr-3184	202	14	research	research	NOUN
fsr-3184	202	15	question	question	NOUN
fsr-3184	202	16	asks	ask	VERB
fsr-3184	202	17	whether	whether	SCONJ
fsr-3184	202	18	information	information	NOUN
fsr-3184	202	19	from	from	ADP
fsr-3184	202	20	formal	formal	ADJ
fsr-3184	202	21	advisors	advisor	NOUN
fsr-3184	202	22	could	could	AUX
fsr-3184	202	23	have	have	VERB
fsr-3184	202	24	a	a	DET
fsr-3184	202	25	positive	positive	ADJ
fsr-3184	202	26	effect	effect	NOUN
fsr-3184	202	27	on	on	ADP
fsr-3184	202	28	financial	financial	ADJ
fsr-3184	202	29	behaviors	behavior	NOUN
fsr-3184	202	30	:	:	PUNCT
fsr-3184	202	31	(	(	PUNCT
fsr-3184	202	32	1	1	X
fsr-3184	202	33	)	)	PUNCT
fsr-3184	202	34	the	the	DET
fsr-3184	202	35	cash	cash	NOUN
fsr-3184	202	36	-	-	PUNCT
fsr-3184	202	37	flow	flow	NOUN
fsr-3184	202	38	management	management	NOUN
fsr-3184	202	39	behaviors	behavior	NOUN
fsr-3184	202	40	and	and	CCONJ
fsr-3184	202	41	(	(	PUNCT
fsr-3184	202	42	2	2	X
fsr-3184	202	43	)	)	PUNCT
fsr-3184	202	44	the	the	DET
fsr-3184	202	45	savings	saving	NOUN
fsr-3184	202	46	behaviors	behavior	NOUN
fsr-3184	202	47	of	of	ADP
fsr-3184	202	48	low	low	ADJ
fsr-3184	202	49	-	-	PUNCT
fsr-3184	202	50	income	income	NOUN
fsr-3184	202	51	employees	employee	NOUN
fsr-3184	202	52	.	.	PUNCT
fsr-3184	203	1	results	result	NOUN
fsr-3184	203	2	from	from	ADP
fsr-3184	203	3	the	the	DET
fsr-3184	203	4	first	first	ADJ
fsr-3184	203	5	ordered	order	VERB
fsr-3184	203	6	logistic	logistic	ADJ
fsr-3184	203	7	regression	regression	NOUN
fsr-3184	203	8	analysis	analysis	NOUN
fsr-3184	203	9	indicate	indicate	VERB
fsr-3184	203	10	a	a	DET
fsr-3184	203	11	significant	significant	ADJ
fsr-3184	203	12	and	and	CCONJ
fsr-3184	203	13	positive	positive	ADJ
fsr-3184	203	14	relationship	relationship	NOUN
fsr-3184	203	15	between	between	ADP
fsr-3184	203	16	the	the	DET
fsr-3184	203	17	use	use	NOUN
fsr-3184	203	18	of	of	ADP
fsr-3184	203	19	financial	financial	ADJ
fsr-3184	203	20	information	information	NOUN
fsr-3184	203	21	from	from	ADP
fsr-3184	203	22	formal	formal	ADJ
fsr-3184	203	23	advisors	advisor	NOUN
fsr-3184	203	24	and	and	CCONJ
fsr-3184	203	25	the	the	DET
fsr-3184	203	26	proportion	proportion	NOUN
fsr-3184	203	27	of	of	ADP
fsr-3184	203	28	acceptable	acceptable	ADJ
fsr-3184	203	29	cash	cash	NOUN
fsr-3184	203	30	-	-	PUNCT
fsr-3184	203	31	flow	flow	NOUN
fsr-3184	203	32	management	management	NOUN
fsr-3184	203	33	behaviors	behavior	NOUN
fsr-3184	203	34	of	of	ADP
fsr-3184	203	35	low	low	ADJ
fsr-3184	203	36	-	-	PUNCT
fsr-3184	203	37	income	income	NOUN
fsr-3184	203	38	employees	employee	NOUN
fsr-3184	203	39	.	.	PUNCT
fsr-3184	204	1	thus	thus	ADV
fsr-3184	204	2	,	,	PUNCT
fsr-3184	204	3	the	the	DET
fsr-3184	204	4	cash	cash	NOUN
fsr-3184	204	5	-	-	PUNCT
fsr-3184	204	6	flow	flow	NOUN
fsr-3184	204	7	management	management	NOUN
fsr-3184	204	8	behaviors	behavior	NOUN
fsr-3184	204	9	of	of	ADP
fsr-3184	204	10	lowincome	lowincome	NOUN
fsr-3184	204	11	employees	employee	NOUN
fsr-3184	204	12	who	who	PRON
fsr-3184	204	13	use	use	VERB
fsr-3184	204	14	financial	financial	ADJ
fsr-3184	204	15	information	information	NOUN
fsr-3184	204	16	from	from	ADP
fsr-3184	204	17	formal	formal	ADJ
fsr-3184	204	18	advisors	advisor	NOUN
fsr-3184	204	19	are	be	AUX
fsr-3184	204	20	1.51	1.51	NUM
fsr-3184	204	21	times	time	NOUN
fsr-3184	204	22	more	more	ADV
fsr-3184	204	23	likely	likely	ADJ
fsr-3184	204	24	to	to	PART
fsr-3184	204	25	rank	rank	VERB
fsr-3184	204	26	high	high	ADJ
fsr-3184	204	27	or	or	CCONJ
fsr-3184	204	28	medium	medium	ADJ
fsr-3184	204	29	,	,	PUNCT
fsr-3184	204	30	rather	rather	ADV
fsr-3184	204	31	than	than	ADP
fsr-3184	204	32	low	low	ADJ
fsr-3184	204	33	,	,	PUNCT
fsr-3184	204	34	than	than	ADP
fsr-3184	204	35	the	the	DET
fsr-3184	204	36	behaviors	behavior	NOUN
fsr-3184	204	37	of	of	ADP
fsr-3184	204	38	low	low	ADJ
fsr-3184	204	39	-	-	PUNCT
fsr-3184	204	40	income	income	NOUN
fsr-3184	204	41	employees	employee	NOUN
fsr-3184	204	42	who	who	PRON
fsr-3184	204	43	use	use	VERB
fsr-3184	204	44	financial	financial	ADJ
fsr-3184	204	45	information	information	NOUN
fsr-3184	204	46	from	from	ADP
fsr-3184	204	47	informal	informal	ADJ
fsr-3184	204	48	advisors	advisor	NOUN
fsr-3184	204	49	or	or	CCONJ
fsr-3184	204	50	public	public	ADJ
fsr-3184	204	51	sources	source	NOUN
fsr-3184	204	52	.	.	PUNCT
fsr-3184	205	1	this	this	DET
fsr-3184	205	2	relationship	relationship	NOUN
fsr-3184	205	3	is	be	AUX
fsr-3184	205	4	not	not	PART
fsr-3184	205	5	significant	significant	ADJ
fsr-3184	205	6	for	for	ADP
fsr-3184	205	7	middle	middle	ADJ
fsr-3184	205	8	-	-	PUNCT
fsr-3184	205	9	income	income	NOUN
fsr-3184	205	10	or	or	CCONJ
fsr-3184	205	11	high	high	ADJ
fsr-3184	205	12	-	-	PUNCT
fsr-3184	205	13	income	income	NOUN
fsr-3184	205	14	employees	employee	NOUN
fsr-3184	205	15	(	(	PUNCT
fsr-3184	205	16	table	table	NOUN
fsr-3184	205	17	5	5	NUM
fsr-3184	205	18	)	)	PUNCT
fsr-3184	205	19	.	.	PUNCT
fsr-3184	206	1	these	these	DET
fsr-3184	206	2	results	result	NOUN
fsr-3184	206	3	confirm	confirm	VERB
fsr-3184	206	4	the	the	DET
fsr-3184	206	5	cash	cash	NOUN
fsr-3184	206	6	-	-	PUNCT
fsr-3184	206	7	flow	flow	NOUN
fsr-3184	206	8	management	management	NOUN
fsr-3184	206	9	behaviors	behavior	NOUN
fsr-3184	206	10	proportion	proportion	NOUN
fsr-3184	206	11	of	of	ADP
fsr-3184	206	12	the	the	DET
fsr-3184	206	13	hypothesis	hypothesis	NOUN
fsr-3184	206	14	(	(	PUNCT
fsr-3184	206	15	h1	h1	PROPN
fsr-3184	206	16	)	)	PUNCT
fsr-3184	206	17	and	and	CCONJ
fsr-3184	206	18	are	be	AUX
fsr-3184	206	19	reported	report	VERB
fsr-3184	206	20	in	in	ADP
fsr-3184	206	21	table	table	NOUN
fsr-3184	206	22	5	5	NUM
fsr-3184	206	23	.	.	PUNCT
fsr-3184	207	1	the	the	DET
fsr-3184	207	2	statistics	statistic	NOUN
fsr-3184	207	3	from	from	ADP
fsr-3184	207	4	this	this	DET
fsr-3184	207	5	ordered	order	VERB
fsr-3184	207	6	logistic	logistic	ADJ
fsr-3184	207	7	regression	regression	NOUN
fsr-3184	207	8	model	model	NOUN
fsr-3184	207	9	indicate	indicate	VERB
fsr-3184	207	10	that	that	SCONJ
fsr-3184	207	11	the	the	DET
fsr-3184	207	12	model	model	NOUN
fsr-3184	207	13	convergence	convergence	NOUN
fsr-3184	207	14	criterion	criterion	NOUN
fsr-3184	207	15	is	be	AUX
fsr-3184	207	16	satisfied	satisfied	ADJ
fsr-3184	207	17	and	and	CCONJ
fsr-3184	207	18	the	the	DET
fsr-3184	207	19	model	model	NOUN
fsr-3184	207	20	is	be	AUX
fsr-3184	207	21	determined	determine	VERB
fsr-3184	207	22	to	to	PART
fsr-3184	207	23	be	be	AUX
fsr-3184	207	24	a	a	DET
fsr-3184	207	25	good	good	ADJ
fsr-3184	207	26	fit	fit	NOUN
fsr-3184	207	27	for	for	ADP
fsr-3184	207	28	this	this	DET
fsr-3184	207	29	study	study	NOUN
fsr-3184	207	30	,	,	PUNCT
fsr-3184	207	31	according	accord	VERB
fsr-3184	207	32	to	to	ADP
fsr-3184	207	33	the	the	DET
fsr-3184	207	34	akaike	akaike	ADJ
fsr-3184	207	35	information	information	NOUN
fsr-3184	207	36	criterion	criterion	NOUN
fsr-3184	207	37	(	(	PUNCT
fsr-3184	207	38	aic	aic	PROPN
fsr-3184	207	39	)	)	PUNCT
fsr-3184	207	40	,	,	PUNCT
fsr-3184	207	41	the	the	DET
fsr-3184	207	42	schwarz	schwarz	PROPN
fsr-3184	207	43	criterion	criterion	NOUN
fsr-3184	207	44	(	(	PUNCT
fsr-3184	207	45	sc	sc	PROPN
fsr-3184	207	46	)	)	PUNCT
fsr-3184	207	47	,	,	PUNCT
fsr-3184	207	48	and	and	CCONJ
fsr-3184	207	49	the	the	DET
fsr-3184	207	50	(	(	PUNCT
fsr-3184	207	51	2	2	NUM
fsr-3184	207	52	log	log	NOUN
fsr-3184	207	53	l	l	NOUN
fsr-3184	207	54	test	test	NOUN
fsr-3184	207	55	.	.	PUNCT
fsr-3184	208	1	additionally	additionally	ADV
fsr-3184	208	2	,	,	PUNCT
fsr-3184	208	3	the	the	DET
fsr-3184	208	4	score	score	NOUN
fsr-3184	208	5	test	test	NOUN
fsr-3184	208	6	for	for	ADP
fsr-3184	208	7	proportional	proportional	ADJ
fsr-3184	208	8	odds	odd	NOUN
fsr-3184	208	9	assumption	assumption	NOUN
fsr-3184	208	10	concludes	conclude	VERB
fsr-3184	208	11	that	that	SCONJ
fsr-3184	208	12	the	the	DET
fsr-3184	208	13	ordered	order	VERB
fsr-3184	208	14	logistic	logistic	ADJ
fsr-3184	208	15	coefficients	coefficient	NOUN
fsr-3184	208	16	are	be	AUX
fsr-3184	208	17	equal	equal	ADJ
fsr-3184	208	18	across	across	ADP
fsr-3184	208	19	the	the	DET
fsr-3184	208	20	three	three	NUM
fsr-3184	208	21	possible	possible	ADJ
fsr-3184	208	22	outcomes	outcome	NOUN
fsr-3184	208	23	of	of	ADP
fsr-3184	208	24	the	the	DET
fsr-3184	208	25	dependent	dependent	ADJ
fsr-3184	208	26	variable	variable	NOUN
fsr-3184	208	27	.	.	PUNCT
fsr-3184	209	1	5.3	5.3	NUM
fsr-3184	209	2	.	.	PUNCT
fsr-3184	209	3	ordered	order	VERB
fsr-3184	209	4	logistic	logistic	ADJ
fsr-3184	209	5	regression	regression	NOUN
fsr-3184	209	6	results	result	NOUN
fsr-3184	209	7	on	on	ADP
fsr-3184	209	8	other	other	ADJ
fsr-3184	209	9	variables	variable	NOUN
fsr-3184	209	10	(	(	PUNCT
fsr-3184	209	11	cash	cash	NOUN
fsr-3184	209	12	-	-	PUNCT
fsr-3184	209	13	flow	flow	NOUN
fsr-3184	209	14	management	management	NOUN
fsr-3184	209	15	behaviors	behavior	NOUN
fsr-3184	209	16	)	)	PUNCT
fsr-3184	209	17	as	as	SCONJ
fsr-3184	209	18	discussed	discuss	VERB
fsr-3184	209	19	in	in	ADP
fsr-3184	209	20	the	the	DET
fsr-3184	209	21	methodology	methodology	NOUN
fsr-3184	209	22	section	section	NOUN
fsr-3184	209	23	,	,	PUNCT
fsr-3184	209	24	other	other	ADJ
fsr-3184	209	25	variables	variable	NOUN
fsr-3184	209	26	,	,	PUNCT
fsr-3184	209	27	specifically	specifically	ADV
fsr-3184	209	28	planning	planning	NOUN
fsr-3184	209	29	,	,	PUNCT
fsr-3184	209	30	gender	gender	NOUN
fsr-3184	209	31	,	,	PUNCT
fsr-3184	209	32	race	race	NOUN
fsr-3184	209	33	,	,	PUNCT
fsr-3184	209	34	education	education	NOUN
fsr-3184	209	35	,	,	PUNCT
fsr-3184	209	36	age	age	NOUN
fsr-3184	209	37	,	,	PUNCT
fsr-3184	209	38	and	and	CCONJ
fsr-3184	209	39	employment	employment	NOUN
fsr-3184	209	40	status	status	NOUN
fsr-3184	209	41	are	be	AUX
fsr-3184	209	42	controlled	control	VERB
fsr-3184	209	43	for	for	ADP
fsr-3184	209	44	and	and	CCONJ
fsr-3184	209	45	included	include	VERB
fsr-3184	209	46	as	as	ADP
fsr-3184	209	47	independent	independent	ADJ
fsr-3184	209	48	variables	variable	NOUN
fsr-3184	209	49	in	in	ADP
fsr-3184	209	50	the	the	DET
fsr-3184	209	51	ordered	order	VERB
fsr-3184	209	52	logistic	logistic	ADJ
fsr-3184	209	53	regression	regression	NOUN
fsr-3184	209	54	models	model	NOUN
fsr-3184	209	55	.	.	PUNCT
fsr-3184	210	1	a	a	DET
fsr-3184	210	2	significant	significant	ADJ
fsr-3184	210	3	and	and	CCONJ
fsr-3184	210	4	positive	positive	ADJ
fsr-3184	210	5	relationship	relationship	NOUN
fsr-3184	210	6	exists	exist	VERB
fsr-3184	210	7	between	between	ADP
fsr-3184	210	8	planning	planning	NOUN
fsr-3184	210	9	and	and	CCONJ
fsr-3184	210	10	the	the	DET
fsr-3184	210	11	proportion	proportion	NOUN
fsr-3184	210	12	of	of	ADP
fsr-3184	210	13	acceptable	acceptable	ADJ
fsr-3184	210	14	cash	cash	NOUN
fsr-3184	210	15	-	-	PUNCT
fsr-3184	210	16	flow	flow	NOUN
fsr-3184	210	17	management	management	NOUN
fsr-3184	210	18	behaviors	behavior	NOUN
fsr-3184	210	19	of	of	ADP
fsr-3184	210	20	low	low	ADJ
fsr-3184	210	21	-	-	PUNCT
fsr-3184	210	22	income	income	NOUN
fsr-3184	210	23	,	,	PUNCT
fsr-3184	210	24	middle	middle	ADJ
fsr-3184	210	25	-	-	PUNCT
fsr-3184	210	26	income	income	NOUN
fsr-3184	210	27	,	,	PUNCT
fsr-3184	210	28	and	and	CCONJ
fsr-3184	210	29	high	high	ADJ
fsr-3184	210	30	-	-	PUNCT
fsr-3184	210	31	income	income	NOUN
fsr-3184	210	32	employees	employee	NOUN
fsr-3184	210	33	.	.	PUNCT
fsr-3184	211	1	thus	thus	ADV
fsr-3184	211	2	,	,	PUNCT
fsr-3184	211	3	the	the	DET
fsr-3184	211	4	cash	cash	NOUN
fsr-3184	211	5	-	-	PUNCT
fsr-3184	211	6	flow	flow	NOUN
fsr-3184	211	7	management	management	NOUN
fsr-3184	211	8	behaviors	behavior	NOUN
fsr-3184	211	9	of	of	ADP
fsr-3184	211	10	low	low	ADJ
fsr-3184	211	11	-	-	PUNCT
fsr-3184	211	12	income	income	NOUN
fsr-3184	211	13	employees	employee	NOUN
fsr-3184	211	14	who	who	PRON
fsr-3184	211	15	are	be	AUX
fsr-3184	211	16	planners	planner	NOUN
fsr-3184	211	17	are	be	AUX
fsr-3184	211	18	1.40	1.40	NUM
fsr-3184	211	19	times	time	NOUN
fsr-3184	211	20	more	more	ADV
fsr-3184	211	21	likely	likely	ADJ
fsr-3184	211	22	than	than	ADP
fsr-3184	211	23	those	those	PRON
fsr-3184	211	24	of	of	ADP
fsr-3184	211	25	non	non	NOUN
fsr-3184	211	26	-	-	NOUN
fsr-3184	211	27	planners	planner	NOUN
fsr-3184	211	28	to	to	PART
fsr-3184	211	29	rank	rank	VERB
fsr-3184	211	30	high	high	ADJ
fsr-3184	211	31	or	or	CCONJ
fsr-3184	211	32	medium	medium	ADJ
fsr-3184	211	33	,	,	PUNCT
fsr-3184	211	34	rather	rather	ADV
fsr-3184	211	35	than	than	ADP
fsr-3184	211	36	low	low	ADJ
fsr-3184	211	37	.	.	PUNCT
fsr-3184	212	1	furthermore	furthermore	ADV
fsr-3184	212	2	,	,	PUNCT
fsr-3184	212	3	the	the	DET
fsr-3184	212	4	cash	cash	NOUN
fsr-3184	212	5	-	-	PUNCT
fsr-3184	212	6	flow	flow	NOUN
fsr-3184	212	7	management	management	NOUN
fsr-3184	212	8	behaviors	behavior	NOUN
fsr-3184	212	9	of	of	ADP
fsr-3184	212	10	middle	middle	ADJ
fsr-3184	212	11	-	-	PUNCT
fsr-3184	212	12	income	income	NOUN
fsr-3184	212	13	and	and	CCONJ
fsr-3184	212	14	high	high	ADJ
fsr-3184	212	15	-	-	PUNCT
fsr-3184	212	16	income	income	NOUN
fsr-3184	212	17	employees	employee	NOUN
fsr-3184	212	18	who	who	PRON
fsr-3184	212	19	are	be	AUX
fsr-3184	212	20	planners	planner	NOUN
fsr-3184	212	21	are	be	AUX
fsr-3184	212	22	1.29	1.29	NUM
fsr-3184	212	23	and	and	CCONJ
fsr-3184	212	24	1.75	1.75	NUM
fsr-3184	212	25	times	time	NOUN
fsr-3184	212	26	more	more	ADV
fsr-3184	212	27	likely	likely	ADJ
fsr-3184	212	28	than	than	ADP
fsr-3184	212	29	the	the	DET
fsr-3184	212	30	behaviors	behavior	NOUN
fsr-3184	212	31	of	of	ADP
fsr-3184	212	32	non	non	NOUN
fsr-3184	212	33	-	-	NOUN
fsr-3184	212	34	planners	planner	NOUN
fsr-3184	212	35	to	to	PART
fsr-3184	212	36	rank	rank	VERB
fsr-3184	212	37	high	high	ADJ
fsr-3184	212	38	or	or	CCONJ
fsr-3184	212	39	medium	medium	ADJ
fsr-3184	212	40	,	,	PUNCT
fsr-3184	212	41	rather	rather	ADV
fsr-3184	212	42	than	than	ADP
fsr-3184	212	43	low	low	ADJ
fsr-3184	212	44	(	(	PUNCT
fsr-3184	212	45	table	table	NOUN
fsr-3184	212	46	5	5	NUM
fsr-3184	212	47	)	)	PUNCT
fsr-3184	212	48	.	.	PUNCT
fsr-3184	213	1	36	36	NUM
fsr-3184	213	2	c.r	c.r	PROPN
fsr-3184	213	3	.	.	PROPN
fsr-3184	213	4	hudson	hudson	PROPN
fsr-3184	213	5	,	,	PUNCT
fsr-3184	213	6	l.	l.	PROPN
fsr-3184	213	7	palmer	palmer	PROPN
fsr-3184	213	8	/	/	SYM
fsr-3184	213	9	financial	financial	ADJ
fsr-3184	213	10	services	service	NOUN
fsr-3184	213	11	review	review	VERB
fsr-3184	213	12	23	23	NUM
fsr-3184	213	13	(	(	PUNCT
fsr-3184	213	14	2014	2014	NUM
fsr-3184	213	15	)	)	PUNCT
fsr-3184	213	16	25–43	25–43	NUM
fsr-3184	213	17	on	on	ADP
fsr-3184	213	18	the	the	DET
fsr-3184	213	19	other	other	ADJ
fsr-3184	213	20	hand	hand	NOUN
fsr-3184	213	21	,	,	PUNCT
fsr-3184	213	22	results	result	NOUN
fsr-3184	213	23	indicate	indicate	VERB
fsr-3184	213	24	a	a	DET
fsr-3184	213	25	significant	significant	ADJ
fsr-3184	213	26	and	and	CCONJ
fsr-3184	213	27	negative	negative	ADJ
fsr-3184	213	28	relationship	relationship	NOUN
fsr-3184	213	29	between	between	ADP
fsr-3184	213	30	race	race	NOUN
fsr-3184	213	31	and	and	CCONJ
fsr-3184	213	32	the	the	DET
fsr-3184	213	33	proportion	proportion	NOUN
fsr-3184	213	34	of	of	ADP
fsr-3184	213	35	acceptable	acceptable	ADJ
fsr-3184	213	36	cash	cash	NOUN
fsr-3184	213	37	-	-	PUNCT
fsr-3184	213	38	flow	flow	NOUN
fsr-3184	213	39	management	management	NOUN
fsr-3184	213	40	behaviors	behavior	NOUN
fsr-3184	213	41	of	of	ADP
fsr-3184	213	42	low	low	ADJ
fsr-3184	213	43	-	-	PUNCT
fsr-3184	213	44	income	income	NOUN
fsr-3184	213	45	employees	employee	NOUN
fsr-3184	213	46	.	.	PUNCT
fsr-3184	214	1	in	in	ADP
fsr-3184	214	2	the	the	DET
fsr-3184	214	3	model	model	NOUN
fsr-3184	214	4	,	,	PUNCT
fsr-3184	214	5	race	race	NOUN
fsr-3184	214	6	is	be	AUX
fsr-3184	214	7	represented	represent	VERB
fsr-3184	214	8	by	by	ADP
fsr-3184	214	9	a	a	DET
fsr-3184	214	10	binary	binary	ADJ
fsr-3184	214	11	variable	variable	NOUN
fsr-3184	214	12	,	,	PUNCT
fsr-3184	214	13	minority	minority	NOUN
fsr-3184	214	14	.	.	PUNCT
fsr-3184	215	1	thus	thus	ADV
fsr-3184	215	2	,	,	PUNCT
fsr-3184	215	3	the	the	DET
fsr-3184	215	4	cash	cash	NOUN
fsr-3184	215	5	-	-	PUNCT
fsr-3184	215	6	flow	flow	NOUN
fsr-3184	215	7	management	management	NOUN
fsr-3184	215	8	behaviors	behavior	NOUN
fsr-3184	215	9	of	of	ADP
fsr-3184	215	10	low	low	ADJ
fsr-3184	215	11	-	-	PUNCT
fsr-3184	215	12	income	income	NOUN
fsr-3184	215	13	minority	minority	NOUN
fsr-3184	215	14	employees	employee	NOUN
fsr-3184	215	15	are	be	AUX
fsr-3184	215	16	more	more	ADV
fsr-3184	215	17	likely	likely	ADJ
fsr-3184	215	18	than	than	ADP
fsr-3184	215	19	those	those	PRON
fsr-3184	215	20	of	of	ADP
fsr-3184	215	21	low	low	ADJ
fsr-3184	215	22	-	-	PUNCT
fsr-3184	215	23	income	income	NOUN
fsr-3184	215	24	white	white	ADJ
fsr-3184	215	25	employees	employee	NOUN
fsr-3184	215	26	to	to	PART
fsr-3184	215	27	rank	rank	VERB
fsr-3184	215	28	low	low	ADV
fsr-3184	215	29	,	,	PUNCT
fsr-3184	215	30	rather	rather	ADV
fsr-3184	215	31	than	than	ADP
fsr-3184	215	32	high	high	ADJ
fsr-3184	215	33	or	or	CCONJ
fsr-3184	215	34	medium	medium	NOUN
fsr-3184	215	35	.	.	PUNCT
fsr-3184	216	1	this	this	DET
fsr-3184	216	2	relationship	relationship	NOUN
fsr-3184	216	3	also	also	ADV
fsr-3184	216	4	is	be	AUX
fsr-3184	216	5	significant	significant	ADJ
fsr-3184	216	6	and	and	CCONJ
fsr-3184	216	7	negative	negative	ADJ
fsr-3184	216	8	for	for	ADP
fsr-3184	216	9	middle	middle	ADJ
fsr-3184	216	10	-	-	PUNCT
fsr-3184	216	11	income	income	NOUN
fsr-3184	216	12	minority	minority	NOUN
fsr-3184	216	13	employees	employee	NOUN
fsr-3184	216	14	and	and	CCONJ
fsr-3184	216	15	high	high	ADJ
fsr-3184	216	16	-	-	PUNCT
fsr-3184	216	17	income	income	NOUN
fsr-3184	216	18	minority	minority	NOUN
fsr-3184	216	19	employees	employee	NOUN
fsr-3184	216	20	.	.	PUNCT
fsr-3184	217	1	the	the	DET
fsr-3184	217	2	relationship	relationship	NOUN
fsr-3184	217	3	between	between	ADP
fsr-3184	217	4	gender	gender	NOUN
fsr-3184	217	5	,	,	PUNCT
fsr-3184	217	6	which	which	PRON
fsr-3184	217	7	is	be	AUX
fsr-3184	217	8	represented	represent	VERB
fsr-3184	217	9	by	by	ADP
fsr-3184	217	10	a	a	DET
fsr-3184	217	11	binary	binary	ADJ
fsr-3184	217	12	variable	variable	NOUN
fsr-3184	217	13	,	,	PUNCT
fsr-3184	217	14	male	male	NOUN
fsr-3184	217	15	,	,	PUNCT
fsr-3184	217	16	and	and	CCONJ
fsr-3184	217	17	the	the	DET
fsr-3184	217	18	proportion	proportion	NOUN
fsr-3184	217	19	of	of	ADP
fsr-3184	217	20	acceptable	acceptable	ADJ
fsr-3184	217	21	cash	cash	NOUN
fsr-3184	217	22	-	-	PUNCT
fsr-3184	217	23	flow	flow	NOUN
fsr-3184	217	24	management	management	NOUN
fsr-3184	217	25	behaviors	behavior	NOUN
fsr-3184	217	26	is	be	AUX
fsr-3184	217	27	not	not	PART
fsr-3184	217	28	significant	significant	ADJ
fsr-3184	217	29	for	for	ADP
fsr-3184	217	30	low	low	ADJ
fsr-3184	217	31	-	-	PUNCT
fsr-3184	217	32	income	income	NOUN
fsr-3184	217	33	employees	employee	NOUN
fsr-3184	217	34	but	but	CCONJ
fsr-3184	217	35	is	be	AUX
fsr-3184	217	36	negative	negative	ADJ
fsr-3184	217	37	and	and	CCONJ
fsr-3184	217	38	significant	significant	ADJ
fsr-3184	217	39	for	for	ADP
fsr-3184	217	40	middle	middle	ADJ
fsr-3184	217	41	-	-	PUNCT
fsr-3184	217	42	income	income	NOUN
fsr-3184	217	43	and	and	CCONJ
fsr-3184	217	44	highincome	highincome	ADJ
fsr-3184	217	45	employees	employee	NOUN
fsr-3184	217	46	(	(	PUNCT
fsr-3184	217	47	table	table	NOUN
fsr-3184	217	48	5	5	NUM
fsr-3184	217	49	)	)	PUNCT
fsr-3184	217	50	.	.	PUNCT
fsr-3184	218	1	furthermore	furthermore	ADV
fsr-3184	218	2	,	,	PUNCT
fsr-3184	218	3	results	result	NOUN
fsr-3184	218	4	indicate	indicate	VERB
fsr-3184	218	5	a	a	DET
fsr-3184	218	6	significant	significant	ADJ
fsr-3184	218	7	and	and	CCONJ
fsr-3184	218	8	positive	positive	ADJ
fsr-3184	218	9	relationship	relationship	NOUN
fsr-3184	218	10	between	between	ADP
fsr-3184	218	11	education	education	NOUN
fsr-3184	218	12	and	and	CCONJ
fsr-3184	218	13	the	the	DET
fsr-3184	218	14	proportion	proportion	NOUN
fsr-3184	218	15	of	of	ADP
fsr-3184	218	16	acceptable	acceptable	ADJ
fsr-3184	218	17	cash	cash	NOUN
fsr-3184	218	18	-	-	PUNCT
fsr-3184	218	19	flow	flow	NOUN
fsr-3184	218	20	management	management	NOUN
fsr-3184	218	21	behaviors	behavior	NOUN
fsr-3184	218	22	of	of	ADP
fsr-3184	218	23	low	low	ADJ
fsr-3184	218	24	-	-	PUNCT
fsr-3184	218	25	income	income	NOUN
fsr-3184	218	26	,	,	PUNCT
fsr-3184	218	27	middleincome	middleincome	PROPN
fsr-3184	218	28	,	,	PUNCT
fsr-3184	218	29	and	and	CCONJ
fsr-3184	218	30	high	high	ADJ
fsr-3184	218	31	-	-	PUNCT
fsr-3184	218	32	income	income	NOUN
fsr-3184	218	33	employees	employee	NOUN
fsr-3184	218	34	.	.	PUNCT
fsr-3184	219	1	specifically	specifically	ADV
fsr-3184	219	2	,	,	PUNCT
fsr-3184	219	3	for	for	ADP
fsr-3184	219	4	each	each	DET
fsr-3184	219	5	additional	additional	ADJ
fsr-3184	219	6	year	year	NOUN
fsr-3184	219	7	of	of	ADP
fsr-3184	219	8	education	education	NOUN
fsr-3184	219	9	,	,	PUNCT
fsr-3184	219	10	the	the	DET
fsr-3184	219	11	odds	odd	NOUN
fsr-3184	219	12	of	of	ADP
fsr-3184	219	13	the	the	DET
fsr-3184	219	14	cash	cash	NOUN
fsr-3184	219	15	-	-	PUNCT
fsr-3184	219	16	flow	flow	NOUN
fsr-3184	219	17	management	management	NOUN
fsr-3184	219	18	behaviors	behavior	NOUN
fsr-3184	219	19	of	of	ADP
fsr-3184	219	20	low	low	ADJ
fsr-3184	219	21	-	-	PUNCT
fsr-3184	219	22	income	income	NOUN
fsr-3184	219	23	,	,	PUNCT
fsr-3184	219	24	middle	middle	ADJ
fsr-3184	219	25	-	-	PUNCT
fsr-3184	219	26	income	income	NOUN
fsr-3184	219	27	,	,	PUNCT
fsr-3184	219	28	and	and	CCONJ
fsr-3184	219	29	highincome	highincome	ADJ
fsr-3184	219	30	employees	employee	NOUN
fsr-3184	219	31	being	be	AUX
fsr-3184	219	32	ranked	rank	VERB
fsr-3184	219	33	as	as	ADV
fsr-3184	219	34	high	high	ADJ
fsr-3184	219	35	or	or	CCONJ
fsr-3184	219	36	medium	medium	ADJ
fsr-3184	219	37	,	,	PUNCT
fsr-3184	219	38	rather	rather	ADV
fsr-3184	219	39	than	than	ADP
fsr-3184	219	40	low	low	ADJ
fsr-3184	219	41	,	,	PUNCT
fsr-3184	219	42	increases	increase	NOUN
fsr-3184	219	43	by	by	ADP
fsr-3184	219	44	multiples	multiple	NOUN
fsr-3184	219	45	of	of	ADP
fsr-3184	219	46	1.18	1.18	NUM
fsr-3184	219	47	,	,	PUNCT
fsr-3184	219	48	1.23	1.23	NUM
fsr-3184	219	49	,	,	PUNCT
fsr-3184	219	50	and	and	CCONJ
fsr-3184	219	51	1.16	1.16	NUM
fsr-3184	219	52	,	,	PUNCT
fsr-3184	219	53	respectively	respectively	ADV
fsr-3184	219	54	(	(	PUNCT
fsr-3184	219	55	table	table	NOUN
fsr-3184	219	56	5	5	NUM
fsr-3184	219	57	)	)	PUNCT
fsr-3184	219	58	.	.	PUNCT
fsr-3184	220	1	moreover	moreover	ADV
fsr-3184	220	2	,	,	PUNCT
fsr-3184	220	3	a	a	DET
fsr-3184	220	4	significant	significant	ADJ
fsr-3184	220	5	and	and	CCONJ
fsr-3184	220	6	positive	positive	ADJ
fsr-3184	220	7	relationship	relationship	NOUN
fsr-3184	220	8	between	between	ADP
fsr-3184	220	9	age	age	NOUN
fsr-3184	220	10	and	and	CCONJ
fsr-3184	220	11	the	the	DET
fsr-3184	220	12	proportion	proportion	NOUN
fsr-3184	220	13	of	of	ADP
fsr-3184	220	14	acceptable	acceptable	ADJ
fsr-3184	220	15	cash	cash	NOUN
fsr-3184	220	16	-	-	PUNCT
fsr-3184	220	17	flow	flow	NOUN
fsr-3184	220	18	management	management	NOUN
fsr-3184	220	19	behaviors	behavior	NOUN
fsr-3184	220	20	is	be	AUX
fsr-3184	220	21	found	find	VERB
fsr-3184	220	22	for	for	ADP
fsr-3184	220	23	low	low	ADJ
fsr-3184	220	24	-	-	PUNCT
fsr-3184	220	25	income	income	NOUN
fsr-3184	220	26	employees	employee	NOUN
fsr-3184	220	27	but	but	CCONJ
fsr-3184	220	28	not	not	PART
fsr-3184	220	29	for	for	ADP
fsr-3184	220	30	middle	middle	ADJ
fsr-3184	220	31	-	-	PUNCT
fsr-3184	220	32	income	income	NOUN
fsr-3184	220	33	employees	employee	NOUN
fsr-3184	220	34	.	.	PUNCT
fsr-3184	221	1	thus	thus	ADV
fsr-3184	221	2	,	,	PUNCT
fsr-3184	221	3	for	for	ADP
fsr-3184	221	4	each	each	DET
fsr-3184	221	5	additional	additional	ADJ
fsr-3184	221	6	year	year	NOUN
fsr-3184	221	7	of	of	ADP
fsr-3184	221	8	age	age	NOUN
fsr-3184	221	9	,	,	PUNCT
fsr-3184	221	10	the	the	DET
fsr-3184	221	11	odds	odd	NOUN
fsr-3184	221	12	of	of	ADP
fsr-3184	221	13	low	low	ADJ
fsr-3184	221	14	-	-	PUNCT
fsr-3184	221	15	income	income	NOUN
fsr-3184	221	16	employees	employee	NOUN
fsr-3184	221	17	’	’	PART
fsr-3184	221	18	cash	cash	NOUN
fsr-3184	221	19	-	-	PUNCT
fsr-3184	221	20	flow	flow	NOUN
fsr-3184	221	21	management	management	NOUN
fsr-3184	221	22	behaviors	behavior	NOUN
fsr-3184	221	23	table	table	VERB
fsr-3184	221	24	5	5	NUM
fsr-3184	221	25	likelihood	likelihood	NOUN
fsr-3184	221	26	of	of	ADP
fsr-3184	221	27	high	high	ADJ
fsr-3184	221	28	or	or	CCONJ
fsr-3184	221	29	medium	medium	ADJ
fsr-3184	221	30	cash	cash	NOUN
fsr-3184	221	31	-	-	PUNCT
fsr-3184	221	32	flow	flow	NOUN
fsr-3184	221	33	management	management	NOUN
fsr-3184	221	34	behaviors	behavior	NOUN
fsr-3184	221	35	variables	variable	VERB
fsr-3184	221	36	low	low	ADJ
fsr-3184	221	37	-	-	PUNCT
fsr-3184	221	38	income	income	NOUN
fsr-3184	221	39	employees	employee	NOUN
fsr-3184	221	40	(	(	PUNCT
fsr-3184	221	41	n	n	ADP
fsr-3184	221	42	#	#	NOUN
fsr-3184	221	43	1,060	1,060	NUM
fsr-3184	221	44	)	)	PUNCT
fsr-3184	221	45	middle	middle	ADJ
fsr-3184	221	46	-	-	PUNCT
fsr-3184	221	47	income	income	NOUN
fsr-3184	221	48	employees	employee	NOUN
fsr-3184	221	49	(	(	PUNCT
fsr-3184	221	50	n	n	ADP
fsr-3184	221	51	#	#	NOUN
fsr-3184	221	52	1,432	1,432	NUM
fsr-3184	221	53	)	)	PUNCT
fsr-3184	221	54	high	high	ADJ
fsr-3184	221	55	-	-	PUNCT
fsr-3184	221	56	income	income	NOUN
fsr-3184	221	57	employees	employee	NOUN
fsr-3184	221	58	(	(	PUNCT
fsr-3184	221	59	n	n	ADP
fsr-3184	221	60	#	#	NOUN
fsr-3184	221	61	1,787	1,787	NUM
fsr-3184	221	62	)	)	PUNCT
fsr-3184	221	63	coefficients	coefficient	VERB
fsr-3184	221	64	odds	odd	NOUN
fsr-3184	221	65	ratio	ratio	NOUN
fsr-3184	221	66	coefficients	coefficient	NOUN
fsr-3184	221	67	odds	odd	NOUN
fsr-3184	221	68	ratio	ratio	NOUN
fsr-3184	221	69	coefficients	coefficient	NOUN
fsr-3184	221	70	odds	odd	NOUN
fsr-3184	221	71	ratio	ratio	NOUN
fsr-3184	221	72	formal	formal	ADJ
fsr-3184	221	73	advisor	advisor	NOUN
fsr-3184	221	74	0.415	0.415	NUM
fsr-3184	221	75	*	*	NUM
fsr-3184	221	76	1.51	1.51	NUM
fsr-3184	221	77	0.138	0.138	NUM
fsr-3184	221	78	1.15	1.15	NUM
fsr-3184	221	79	0.018	0.018	NUM
fsr-3184	221	80	1.02	1.02	NUM
fsr-3184	221	81	se	se	X
fsr-3184	221	82	(	(	PUNCT
fsr-3184	221	83	0.135	0.135	NUM
fsr-3184	221	84	)	)	PUNCT
fsr-3184	221	85	(	(	PUNCT
fsr-3184	221	86	0.114	0.114	NUM
fsr-3184	221	87	)	)	PUNCT
fsr-3184	221	88	(	(	PUNCT
fsr-3184	221	89	0.111	0.111	NUM
fsr-3184	221	90	)	)	PUNCT
fsr-3184	221	91	planning	plan	VERB
fsr-3184	221	92	0.337	0.337	NUM
fsr-3184	221	93	*	*	NOUN
fsr-3184	221	94	1.40	1.40	NUM
fsr-3184	221	95	0.251	0.251	NUM
fsr-3184	221	96	*	*	PUNCT
fsr-3184	221	97	1.29	1.29	NUM
fsr-3184	221	98	0.559	0.559	NUM
fsr-3184	221	99	*	*	PUNCT
fsr-3184	221	100	*	*	PUNCT
fsr-3184	221	101	*	*	PROPN
fsr-3184	221	102	1.75	1.75	NUM
fsr-3184	221	103	se	se	X
fsr-3184	221	104	(	(	PUNCT
fsr-3184	221	105	0.124	0.124	NUM
fsr-3184	221	106	)	)	PUNCT
fsr-3184	221	107	(	(	PUNCT
fsr-3184	221	108	0.110	0.110	NUM
fsr-3184	221	109	)	)	PUNCT
fsr-3184	221	110	(	(	PUNCT
fsr-3184	221	111	0.138	0.138	NUM
fsr-3184	221	112	)	)	PUNCT
fsr-3184	221	113	minority	minority	NOUN
fsr-3184	221	114	(	(	PUNCT
fsr-3184	221	115	0.738	0.738	NUM
fsr-3184	221	116	*	*	PUNCT
fsr-3184	221	117	*	*	PUNCT
fsr-3184	221	118	*	*	NOUN
fsr-3184	221	119	0.48	0.48	NUM
fsr-3184	221	120	(	(	PUNCT
fsr-3184	221	121	0.343	0.343	NUM
fsr-3184	221	122	*	*	SYM
fsr-3184	221	123	0.71	0.71	NUM
fsr-3184	221	124	(	(	PUNCT
fsr-3184	221	125	0.456	0.456	NUM
fsr-3184	221	126	*	*	SYM
fsr-3184	221	127	0.63	0.63	NUM
fsr-3184	221	128	se	se	X
fsr-3184	221	129	(	(	PUNCT
fsr-3184	221	130	0.136	0.136	NUM
fsr-3184	221	131	)	)	PUNCT
fsr-3184	221	132	(	(	PUNCT
fsr-3184	221	133	0.118	0.118	NUM
fsr-3184	221	134	)	)	PUNCT
fsr-3184	221	135	(	(	PUNCT
fsr-3184	221	136	0.160	0.160	NOUN
fsr-3184	221	137	)	)	PUNCT
fsr-3184	221	138	self	self	NOUN
fsr-3184	221	139	-	-	PUNCT
fsr-3184	221	140	employed	employ	VERB
fsr-3184	221	141	0.019	0.019	NUM
fsr-3184	221	142	1.02	1.02	NUM
fsr-3184	221	143	(	(	PUNCT
fsr-3184	221	144	0.214	0.214	NUM
fsr-3184	221	145	0.81	0.81	NUM
fsr-3184	221	146	(	(	PUNCT
fsr-3184	221	147	0.515	0.515	NUM
fsr-3184	221	148	*	*	PUNCT
fsr-3184	221	149	*	*	PUNCT
fsr-3184	221	150	*	*	PUNCT
fsr-3184	221	151	0.60	0.60	NUM
fsr-3184	221	152	se	se	X
fsr-3184	221	153	(	(	PUNCT
fsr-3184	221	154	0.162	0.162	NUM
fsr-3184	221	155	)	)	PUNCT
fsr-3184	221	156	(	(	PUNCT
fsr-3184	221	157	0.158	0.158	NUM
fsr-3184	221	158	)	)	PUNCT
fsr-3184	221	159	(	(	PUNCT
fsr-3184	221	160	0.118	0.118	NUM
fsr-3184	221	161	)	)	PUNCT
fsr-3184	221	162	education	education	NOUN
fsr-3184	221	163	0.165	0.165	NUM
fsr-3184	221	164	*	*	PUNCT
fsr-3184	221	165	*	*	PUNCT
fsr-3184	221	166	*	*	PUNCT
fsr-3184	221	167	1.18	1.18	NUM
fsr-3184	221	168	0.205	0.205	NUM
fsr-3184	221	169	*	*	PUNCT
fsr-3184	221	170	*	*	PUNCT
fsr-3184	221	171	*	*	PUNCT
fsr-3184	221	172	1.23	1.23	NUM
fsr-3184	221	173	0.147	0.147	NUM
fsr-3184	221	174	*	*	PUNCT
fsr-3184	221	175	*	*	PUNCT
fsr-3184	221	176	*	*	PUNCT
fsr-3184	221	177	1.16	1.16	NUM
fsr-3184	221	178	se	se	X
fsr-3184	221	179	(	(	PUNCT
fsr-3184	221	180	0.023	0.023	NUM
fsr-3184	221	181	)	)	PUNCT
fsr-3184	221	182	(	(	PUNCT
fsr-3184	221	183	0.025	0.025	NUM
fsr-3184	221	184	)	)	PUNCT
fsr-3184	221	185	(	(	PUNCT
fsr-3184	221	186	0.028	0.028	NUM
fsr-3184	221	187	)	)	PUNCT
fsr-3184	221	188	male	male	NOUN
fsr-3184	221	189	0.204	0.204	NUM
fsr-3184	221	190	1.23	1.23	NUM
fsr-3184	221	191	(	(	PUNCT
fsr-3184	221	192	0.303	0.303	NUM
fsr-3184	221	193	*	*	SYM
fsr-3184	221	194	0.74	0.74	NUM
fsr-3184	221	195	(	(	PUNCT
fsr-3184	221	196	0.409	0.409	NUM
fsr-3184	221	197	*	*	SYM
fsr-3184	221	198	0.66	0.66	NUM
fsr-3184	221	199	se	se	X
fsr-3184	221	200	(	(	PUNCT
fsr-3184	221	201	0.131	0.131	NUM
fsr-3184	221	202	)	)	PUNCT
fsr-3184	221	203	(	(	PUNCT
fsr-3184	221	204	0.136	0.136	NUM
fsr-3184	221	205	)	)	PUNCT
fsr-3184	221	206	(	(	PUNCT
fsr-3184	221	207	0.200	0.200	NUM
fsr-3184	221	208	)	)	PUNCT
fsr-3184	221	209	age	age	NOUN
fsr-3184	221	210	0.013	0.013	NUM
fsr-3184	221	211	*	*	NOUN
fsr-3184	221	212	1.01	1.01	NUM
fsr-3184	221	213	0.002	0.002	NUM
fsr-3184	221	214	1.00	1.00	NUM
fsr-3184	221	215	(	(	PUNCT
fsr-3184	221	216	0.018	0.018	NUM
fsr-3184	221	217	*	*	PUNCT
fsr-3184	221	218	*	*	PUNCT
fsr-3184	221	219	*	*	PUNCT
fsr-3184	221	220	0.982	0.982	NUM
fsr-3184	221	221	se	se	X
fsr-3184	221	222	(	(	PUNCT
fsr-3184	221	223	0.005	0.005	NUM
fsr-3184	221	224	)	)	PUNCT
fsr-3184	221	225	(	(	PUNCT
fsr-3184	221	226	0.005	0.005	NUM
fsr-3184	221	227	)	)	PUNCT
fsr-3184	221	228	(	(	PUNCT
fsr-3184	221	229	0.005	0.005	NUM
fsr-3184	221	230	)	)	PUNCT
fsr-3184	221	231	intercept	intercept	NOUN
fsr-3184	221	232	(	(	PUNCT
fsr-3184	221	233	4.012	4.012	NUM
fsr-3184	221	234	(	(	PUNCT
fsr-3184	221	235	2.51	2.51	NUM
fsr-3184	221	236	(	(	PUNCT
fsr-3184	221	237	0.136	0.136	NUM
fsr-3184	221	238	se	se	X
fsr-3184	221	239	(	(	PUNCT
fsr-3184	221	240	0.415	0.415	NUM
fsr-3184	221	241	)	)	PUNCT
fsr-3184	221	242	(	(	PUNCT
fsr-3184	221	243	0.422	0.422	NUM
fsr-3184	221	244	)	)	PUNCT
fsr-3184	221	245	(	(	PUNCT
fsr-3184	221	246	0.520	0.520	NUM
fsr-3184	221	247	)	)	PUNCT
fsr-3184	221	248	intercept	intercept	NOUN
fsr-3184	221	249	(	(	PUNCT
fsr-3184	221	250	1.083	1.083	NUM
fsr-3184	221	251	0.76	0.76	NUM
fsr-3184	221	252	5.425	5.425	NUM
fsr-3184	221	253	se	se	X
fsr-3184	221	254	(	(	PUNCT
fsr-3184	221	255	0.402	0.402	NUM
fsr-3184	221	256	)	)	PUNCT
fsr-3184	221	257	(	(	PUNCT
fsr-3184	221	258	0.426	0.426	NUM
fsr-3184	221	259	)	)	PUNCT
fsr-3184	221	260	(	(	PUNCT
fsr-3184	221	261	0.780	0.780	NUM
fsr-3184	221	262	)	)	PUNCT
fsr-3184	221	263	note	note	NOUN
fsr-3184	221	264	.	.	PUNCT
fsr-3184	222	1	likelihood	likelihood	NOUN
fsr-3184	222	2	ratio	ratio	NOUN
fsr-3184	222	3	test	test	NOUN
fsr-3184	222	4	,	,	PUNCT
fsr-3184	222	5	p	p	NOUN
fsr-3184	222	6	"	"	PUNCT
fsr-3184	222	7	.0001	.0001	NOUN
fsr-3184	222	8	;	;	PUNCT
fsr-3184	222	9	score	score	NOUN
fsr-3184	222	10	test	test	NOUN
fsr-3184	222	11	,	,	PUNCT
fsr-3184	222	12	p	p	NOUN
fsr-3184	222	13	"	"	PUNCT
fsr-3184	222	14	.0001	.0001	PROPN
fsr-3184	222	15	;	;	PUNCT
fsr-3184	222	16	wald	wald	X
fsr-3184	222	17	test	test	NOUN
fsr-3184	222	18	,	,	PUNCT
fsr-3184	222	19	p	p	NOUN
fsr-3184	222	20	"	"	PUNCT
fsr-3184	222	21	.0001	.0001	NOUN
fsr-3184	222	22	;	;	PUNCT
fsr-3184	222	23	score	score	NOUN
fsr-3184	222	24	test	test	NOUN
fsr-3184	222	25	for	for	ADP
fsr-3184	222	26	proportional	proportional	ADJ
fsr-3184	222	27	odds	odd	NOUN
fsr-3184	222	28	assumption	assumption	NOUN
fsr-3184	222	29	,	,	PUNCT
fsr-3184	222	30	p	p	NOUN
fsr-3184	222	31	)	)	PUNCT
fsr-3184	222	32	.05	.05	NUM
fsr-3184	222	33	.	.	PUNCT
fsr-3184	223	1	*	*	PUNCT
fsr-3184	223	2	p	p	NOUN
fsr-3184	223	3	"	"	PUNCT
fsr-3184	223	4	.05	.05	NUM
fsr-3184	223	5	,	,	PUNCT
fsr-3184	223	6	*	*	PUNCT
fsr-3184	223	7	*	*	PUNCT
fsr-3184	223	8	p	p	NOUN
fsr-3184	223	9	"	"	PUNCT
fsr-3184	223	10	.01	.01	NUM
fsr-3184	223	11	,	,	PUNCT
fsr-3184	223	12	*	*	PUNCT
fsr-3184	223	13	*	*	PUNCT
fsr-3184	223	14	*	*	PUNCT
fsr-3184	223	15	p	p	NOUN
fsr-3184	223	16	"	"	PUNCT
fsr-3184	223	17	.001	.001	NUM
fsr-3184	223	18	.	.	PUNCT
fsr-3184	224	1	37c.r	37c.r	NUM
fsr-3184	224	2	.	.	PUNCT
fsr-3184	225	1	hudson	hudson	PROPN
fsr-3184	225	2	,	,	PUNCT
fsr-3184	225	3	l.	l.	PROPN
fsr-3184	225	4	palmer	palmer	PROPN
fsr-3184	225	5	/	/	SYM
fsr-3184	225	6	financial	financial	ADJ
fsr-3184	225	7	services	service	NOUN
fsr-3184	225	8	review	review	VERB
fsr-3184	225	9	23	23	NUM
fsr-3184	225	10	(	(	PUNCT
fsr-3184	225	11	2014	2014	NUM
fsr-3184	225	12	)	)	PUNCT
fsr-3184	225	13	25–43	25–43	NUM
fsr-3184	225	14	being	be	AUX
fsr-3184	225	15	ranked	rank	VERB
fsr-3184	225	16	high	high	ADJ
fsr-3184	225	17	or	or	CCONJ
fsr-3184	225	18	medium	medium	ADJ
fsr-3184	225	19	,	,	PUNCT
fsr-3184	225	20	rather	rather	ADV
fsr-3184	225	21	than	than	ADP
fsr-3184	225	22	low	low	ADJ
fsr-3184	225	23	,	,	PUNCT
fsr-3184	225	24	increases	increase	NOUN
fsr-3184	225	25	by	by	ADP
fsr-3184	225	26	a	a	DET
fsr-3184	225	27	multiple	multiple	NOUN
fsr-3184	225	28	of	of	ADP
fsr-3184	225	29	1.01	1.01	NUM
fsr-3184	225	30	.	.	PUNCT
fsr-3184	226	1	the	the	DET
fsr-3184	226	2	relationship	relationship	NOUN
fsr-3184	226	3	is	be	AUX
fsr-3184	226	4	significant	significant	ADJ
fsr-3184	226	5	and	and	CCONJ
fsr-3184	226	6	negative	negative	ADJ
fsr-3184	226	7	for	for	ADP
fsr-3184	226	8	high	high	ADJ
fsr-3184	226	9	-	-	PUNCT
fsr-3184	226	10	income	income	NOUN
fsr-3184	226	11	employees	employee	NOUN
fsr-3184	226	12	(	(	PUNCT
fsr-3184	226	13	table	table	NOUN
fsr-3184	226	14	5	5	NUM
fsr-3184	226	15	)	)	PUNCT
fsr-3184	226	16	.	.	PUNCT
fsr-3184	227	1	finally	finally	ADV
fsr-3184	227	2	,	,	PUNCT
fsr-3184	227	3	the	the	DET
fsr-3184	227	4	relationship	relationship	NOUN
fsr-3184	227	5	between	between	ADP
fsr-3184	227	6	self	self	NOUN
fsr-3184	227	7	-	-	PUNCT
fsr-3184	227	8	employed	employ	VERB
fsr-3184	227	9	and	and	CCONJ
fsr-3184	227	10	the	the	DET
fsr-3184	227	11	proportion	proportion	NOUN
fsr-3184	227	12	of	of	ADP
fsr-3184	227	13	acceptable	acceptable	ADJ
fsr-3184	227	14	cash	cash	NOUN
fsr-3184	227	15	-	-	PUNCT
fsr-3184	227	16	flow	flow	NOUN
fsr-3184	227	17	management	management	NOUN
fsr-3184	227	18	behaviors	behavior	NOUN
fsr-3184	227	19	is	be	AUX
fsr-3184	227	20	not	not	PART
fsr-3184	227	21	significant	significant	ADJ
fsr-3184	227	22	for	for	ADP
fsr-3184	227	23	low	low	ADJ
fsr-3184	227	24	-	-	PUNCT
fsr-3184	227	25	income	income	NOUN
fsr-3184	227	26	or	or	CCONJ
fsr-3184	227	27	middle	middle	ADJ
fsr-3184	227	28	-	-	PUNCT
fsr-3184	227	29	income	income	NOUN
fsr-3184	227	30	employees	employee	NOUN
fsr-3184	227	31	but	but	CCONJ
fsr-3184	227	32	is	be	AUX
fsr-3184	227	33	significant	significant	ADJ
fsr-3184	227	34	and	and	CCONJ
fsr-3184	227	35	negative	negative	ADJ
fsr-3184	227	36	for	for	ADP
fsr-3184	227	37	high	high	ADJ
fsr-3184	227	38	-	-	PUNCT
fsr-3184	227	39	income	income	NOUN
fsr-3184	227	40	employees	employee	NOUN
fsr-3184	227	41	(	(	PUNCT
fsr-3184	227	42	table	table	NOUN
fsr-3184	227	43	5	5	NUM
fsr-3184	227	44	)	)	PUNCT
fsr-3184	227	45	.	.	PUNCT
fsr-3184	228	1	5.4	5.4	NUM
fsr-3184	228	2	.	.	PUNCT
fsr-3184	228	3	ordered	order	VERB
fsr-3184	228	4	logistic	logistic	ADJ
fsr-3184	228	5	regression	regression	NOUN
fsr-3184	228	6	results	result	NOUN
fsr-3184	228	7	on	on	ADP
fsr-3184	228	8	savings	saving	NOUN
fsr-3184	228	9	behaviors	behavior	NOUN
fsr-3184	228	10	results	result	NOUN
fsr-3184	228	11	of	of	ADP
fsr-3184	228	12	the	the	DET
fsr-3184	228	13	second	second	ADJ
fsr-3184	228	14	ordered	order	VERB
fsr-3184	228	15	logistic	logistic	ADJ
fsr-3184	228	16	regression	regression	NOUN
fsr-3184	228	17	model	model	NOUN
fsr-3184	228	18	,	,	PUNCT
fsr-3184	228	19	which	which	PRON
fsr-3184	228	20	are	be	AUX
fsr-3184	228	21	reported	report	VERB
fsr-3184	228	22	in	in	ADP
fsr-3184	228	23	table	table	NOUN
fsr-3184	228	24	6	6	NUM
fsr-3184	228	25	,	,	PUNCT
fsr-3184	228	26	indicates	indicate	VERB
fsr-3184	228	27	a	a	DET
fsr-3184	228	28	significant	significant	ADJ
fsr-3184	228	29	and	and	CCONJ
fsr-3184	228	30	positive	positive	ADJ
fsr-3184	228	31	relationship	relationship	NOUN
fsr-3184	228	32	between	between	ADP
fsr-3184	228	33	the	the	DET
fsr-3184	228	34	use	use	NOUN
fsr-3184	228	35	of	of	ADP
fsr-3184	228	36	financial	financial	ADJ
fsr-3184	228	37	information	information	NOUN
fsr-3184	228	38	from	from	ADP
fsr-3184	228	39	formal	formal	ADJ
fsr-3184	228	40	advisors	advisor	NOUN
fsr-3184	228	41	and	and	CCONJ
fsr-3184	228	42	the	the	DET
fsr-3184	228	43	proportion	proportion	NOUN
fsr-3184	228	44	of	of	ADP
fsr-3184	228	45	acceptable	acceptable	ADJ
fsr-3184	228	46	savings	saving	NOUN
fsr-3184	228	47	behaviors	behavior	NOUN
fsr-3184	228	48	of	of	ADP
fsr-3184	228	49	low	low	ADJ
fsr-3184	228	50	-	-	PUNCT
fsr-3184	228	51	income	income	NOUN
fsr-3184	228	52	employees	employee	NOUN
fsr-3184	228	53	.	.	PUNCT
fsr-3184	229	1	this	this	DET
fsr-3184	229	2	result	result	NOUN
fsr-3184	229	3	confirms	confirm	VERB
fsr-3184	229	4	the	the	DET
fsr-3184	229	5	savings	saving	NOUN
fsr-3184	229	6	behavior	behavior	NOUN
fsr-3184	229	7	proportion	proportion	NOUN
fsr-3184	229	8	of	of	ADP
fsr-3184	229	9	the	the	DET
fsr-3184	229	10	hypothesis	hypothesis	NOUN
fsr-3184	229	11	(	(	PUNCT
fsr-3184	229	12	h1	h1	PROPN
fsr-3184	229	13	)	)	PUNCT
fsr-3184	229	14	.	.	PUNCT
fsr-3184	230	1	thus	thus	ADV
fsr-3184	230	2	,	,	PUNCT
fsr-3184	230	3	the	the	DET
fsr-3184	230	4	savings	saving	NOUN
fsr-3184	230	5	behaviors	behavior	NOUN
fsr-3184	230	6	of	of	ADP
fsr-3184	230	7	low	low	ADJ
fsr-3184	230	8	-	-	PUNCT
fsr-3184	230	9	income	income	NOUN
fsr-3184	230	10	employees	employee	NOUN
fsr-3184	230	11	who	who	PRON
fsr-3184	230	12	use	use	VERB
fsr-3184	230	13	financial	financial	ADJ
fsr-3184	230	14	information	information	NOUN
fsr-3184	230	15	from	from	ADP
fsr-3184	230	16	formal	formal	ADJ
fsr-3184	230	17	advisors	advisor	NOUN
fsr-3184	230	18	are	be	AUX
fsr-3184	230	19	1.65	1.65	NUM
fsr-3184	230	20	times	time	NOUN
fsr-3184	230	21	more	more	ADV
fsr-3184	230	22	likely	likely	ADJ
fsr-3184	230	23	to	to	PART
fsr-3184	230	24	rank	rank	VERB
fsr-3184	230	25	as	as	ADV
fsr-3184	230	26	high	high	ADJ
fsr-3184	230	27	or	or	CCONJ
fsr-3184	230	28	medium	medium	ADJ
fsr-3184	230	29	,	,	PUNCT
fsr-3184	230	30	rather	rather	ADV
fsr-3184	230	31	than	than	ADP
fsr-3184	230	32	low	low	ADJ
fsr-3184	230	33	,	,	PUNCT
fsr-3184	230	34	than	than	ADP
fsr-3184	230	35	the	the	DET
fsr-3184	230	36	savings	saving	NOUN
fsr-3184	230	37	behaviors	behavior	NOUN
fsr-3184	230	38	of	of	ADP
fsr-3184	230	39	low	low	ADJ
fsr-3184	230	40	-	-	PUNCT
fsr-3184	230	41	income	income	NOUN
fsr-3184	230	42	employees	employee	NOUN
fsr-3184	230	43	who	who	PRON
fsr-3184	230	44	use	use	VERB
fsr-3184	230	45	financial	financial	ADJ
fsr-3184	230	46	information	information	NOUN
fsr-3184	230	47	from	from	ADP
fsr-3184	230	48	informal	informal	ADJ
fsr-3184	230	49	advisors	advisor	NOUN
fsr-3184	230	50	or	or	CCONJ
fsr-3184	230	51	public	public	ADJ
fsr-3184	230	52	sources	source	NOUN
fsr-3184	230	53	(	(	PUNCT
fsr-3184	230	54	table	table	NOUN
fsr-3184	230	55	6	6	NUM
fsr-3184	230	56	)	)	PUNCT
fsr-3184	230	57	.	.	PUNCT
fsr-3184	231	1	likewise	likewise	ADV
fsr-3184	231	2	,	,	PUNCT
fsr-3184	231	3	the	the	DET
fsr-3184	231	4	savings	saving	NOUN
fsr-3184	231	5	behaviors	behavior	NOUN
fsr-3184	231	6	of	of	ADP
fsr-3184	231	7	middle	middle	ADJ
fsr-3184	231	8	-	-	PUNCT
fsr-3184	231	9	income	income	NOUN
fsr-3184	231	10	employees	employee	NOUN
fsr-3184	231	11	who	who	PRON
fsr-3184	231	12	use	use	VERB
fsr-3184	231	13	financial	financial	ADJ
fsr-3184	231	14	information	information	NOUN
fsr-3184	231	15	from	from	ADP
fsr-3184	231	16	formal	formal	ADJ
fsr-3184	231	17	advisors	advisor	NOUN
fsr-3184	231	18	are	be	AUX
fsr-3184	231	19	1.38	1.38	NUM
fsr-3184	231	20	times	time	NOUN
fsr-3184	231	21	more	more	ADV
fsr-3184	231	22	likely	likely	ADJ
fsr-3184	231	23	to	to	PART
fsr-3184	231	24	rank	rank	VERB
fsr-3184	231	25	as	as	ADV
fsr-3184	231	26	high	high	ADJ
fsr-3184	231	27	or	or	CCONJ
fsr-3184	231	28	medium	medium	ADJ
fsr-3184	231	29	,	,	PUNCT
fsr-3184	231	30	rather	rather	ADV
fsr-3184	231	31	than	than	ADP
fsr-3184	231	32	low	low	ADJ
fsr-3184	231	33	,	,	PUNCT
fsr-3184	231	34	than	than	SCONJ
fsr-3184	231	35	the	the	DET
fsr-3184	231	36	savings	saving	NOUN
fsr-3184	231	37	behaviors	behavior	NOUN
fsr-3184	231	38	of	of	ADP
fsr-3184	231	39	middle	middle	ADJ
fsr-3184	231	40	-	-	PUNCT
fsr-3184	231	41	income	income	NOUN
fsr-3184	231	42	table	table	NOUN
fsr-3184	231	43	6	6	NUM
fsr-3184	231	44	likelihood	likelihood	NOUN
fsr-3184	231	45	of	of	ADP
fsr-3184	231	46	high	high	ADJ
fsr-3184	231	47	or	or	CCONJ
fsr-3184	231	48	medium	medium	ADJ
fsr-3184	231	49	savings	saving	NOUN
fsr-3184	231	50	behaviors	behavior	NOUN
fsr-3184	231	51	low	low	ADJ
fsr-3184	231	52	-	-	PUNCT
fsr-3184	231	53	income	income	NOUN
fsr-3184	231	54	employees	employee	NOUN
fsr-3184	231	55	(	(	PUNCT
fsr-3184	231	56	n	n	ADP
fsr-3184	231	57	#	#	NOUN
fsr-3184	231	58	1,060	1,060	NUM
fsr-3184	231	59	)	)	PUNCT
fsr-3184	231	60	middle	middle	ADJ
fsr-3184	231	61	-	-	PUNCT
fsr-3184	231	62	income	income	NOUN
fsr-3184	231	63	employees	employee	NOUN
fsr-3184	231	64	(	(	PUNCT
fsr-3184	231	65	n	n	ADP
fsr-3184	231	66	#	#	NOUN
fsr-3184	231	67	1,432	1,432	NUM
fsr-3184	231	68	)	)	PUNCT
fsr-3184	231	69	high	high	ADJ
fsr-3184	231	70	-	-	PUNCT
fsr-3184	231	71	income	income	NOUN
fsr-3184	231	72	employees	employee	NOUN
fsr-3184	231	73	(	(	PUNCT
fsr-3184	231	74	n	n	ADP
fsr-3184	231	75	#	#	NOUN
fsr-3184	231	76	1,787	1,787	NUM
fsr-3184	231	77	)	)	PUNCT
fsr-3184	231	78	variables	variable	VERB
fsr-3184	231	79	coefficients	coefficient	NOUN
fsr-3184	231	80	odds	odd	NOUN
fsr-3184	231	81	ratio	ratio	NOUN
fsr-3184	231	82	coefficients	coefficient	NOUN
fsr-3184	231	83	odds	odd	NOUN
fsr-3184	231	84	ratio	ratio	NOUN
fsr-3184	231	85	coefficients	coefficient	NOUN
fsr-3184	231	86	odds	odd	NOUN
fsr-3184	231	87	ratio	ratio	NOUN
fsr-3184	231	88	formal	formal	ADJ
fsr-3184	231	89	advisor	advisor	NOUN
fsr-3184	231	90	0.499	0.499	NUM
fsr-3184	231	91	*	*	PUNCT
fsr-3184	231	92	*	*	PUNCT
fsr-3184	231	93	*	*	PUNCT
fsr-3184	231	94	1.65	1.65	NUM
fsr-3184	231	95	0.319	0.319	NUM
fsr-3184	231	96	*	*	SYM
fsr-3184	231	97	1.38	1.38	NUM
fsr-3184	231	98	(	(	PUNCT
fsr-3184	231	99	0.025	0.025	NUM
fsr-3184	231	100	0.98	0.98	NUM
fsr-3184	231	101	se	se	X
fsr-3184	231	102	(	(	PUNCT
fsr-3184	231	103	0.139	0.139	NUM
fsr-3184	231	104	)	)	PUNCT
fsr-3184	231	105	(	(	PUNCT
fsr-3184	231	106	0.116	0.116	NUM
fsr-3184	231	107	)	)	PUNCT
fsr-3184	231	108	(	(	PUNCT
fsr-3184	231	109	0.100	0.100	NUM
fsr-3184	231	110	)	)	PUNCT
fsr-3184	231	111	planning	plan	VERB
fsr-3184	231	112	0.169	0.169	NUM
fsr-3184	231	113	1.18	1.18	NUM
fsr-3184	231	114	0.504	0.504	NUM
fsr-3184	231	115	*	*	PUNCT
fsr-3184	231	116	*	*	PUNCT
fsr-3184	231	117	*	*	PUNCT
fsr-3184	231	118	1.66	1.66	NUM
fsr-3184	231	119	0.721	0.721	NUM
fsr-3184	231	120	*	*	PUNCT
fsr-3184	231	121	*	*	PUNCT
fsr-3184	231	122	*	*	PROPN
fsr-3184	231	123	2.06	2.06	NUM
fsr-3184	231	124	se	se	X
fsr-3184	231	125	(	(	PUNCT
fsr-3184	231	126	0.129	0.129	NUM
fsr-3184	231	127	)	)	PUNCT
fsr-3184	231	128	(	(	PUNCT
fsr-3184	231	129	0.112	0.112	NUM
fsr-3184	231	130	)	)	PUNCT
fsr-3184	231	131	(	(	PUNCT
fsr-3184	231	132	0.135	0.135	NUM
fsr-3184	231	133	)	)	PUNCT
fsr-3184	231	134	minority	minority	NOUN
fsr-3184	231	135	(	(	PUNCT
fsr-3184	231	136	0.483	0.483	NUM
fsr-3184	231	137	*	*	PUNCT
fsr-3184	231	138	*	*	PUNCT
fsr-3184	231	139	*	*	PUNCT
fsr-3184	231	140	0.62	0.62	NUM
fsr-3184	231	141	(	(	PUNCT
fsr-3184	231	142	0.439	0.439	NUM
fsr-3184	231	143	*	*	PUNCT
fsr-3184	231	144	*	*	PUNCT
fsr-3184	231	145	*	*	PUNCT
fsr-3184	231	146	0.64	0.64	NUM
fsr-3184	231	147	(	(	PUNCT
fsr-3184	231	148	0.664	0.664	NUM
fsr-3184	231	149	*	*	NOUN
fsr-3184	231	150	*	*	PUNCT
fsr-3184	231	151	*	*	PUNCT
fsr-3184	231	152	0.51	0.51	NUM
fsr-3184	231	153	se	se	X
fsr-3184	231	154	(	(	PUNCT
fsr-3184	231	155	0.137	0.137	NUM
fsr-3184	231	156	)	)	PUNCT
fsr-3184	231	157	(	(	PUNCT
fsr-3184	231	158	0.119	0.119	NUM
fsr-3184	231	159	)	)	PUNCT
fsr-3184	231	160	(	(	PUNCT
fsr-3184	231	161	0.153	0.153	NUM
fsr-3184	231	162	)	)	PUNCT
fsr-3184	231	163	self	self	NOUN
fsr-3184	231	164	-	-	PUNCT
fsr-3184	231	165	employed	employ	VERB
fsr-3184	231	166	(	(	PUNCT
fsr-3184	231	167	0.171	0.171	NUM
fsr-3184	231	168	0.84	0.84	NUM
fsr-3184	231	169	(	(	PUNCT
fsr-3184	231	170	0.789	0.789	NOUN
fsr-3184	231	171	*	*	PUNCT
fsr-3184	231	172	*	*	PUNCT
fsr-3184	231	173	*	*	NOUN
fsr-3184	231	174	0.45	0.45	NUM
fsr-3184	231	175	(	(	PUNCT
fsr-3184	231	176	0.484	0.484	NUM
fsr-3184	231	177	*	*	PUNCT
fsr-3184	231	178	*	*	PUNCT
fsr-3184	231	179	*	*	PROPN
fsr-3184	231	180	0.62	0.62	NUM
fsr-3184	231	181	se	se	X
fsr-3184	231	182	(	(	PUNCT
fsr-3184	231	183	0.177	0.177	NUM
fsr-3184	231	184	)	)	PUNCT
fsr-3184	231	185	(	(	PUNCT
fsr-3184	231	186	0.160	0.160	NUM
fsr-3184	231	187	)	)	PUNCT
fsr-3184	231	188	(	(	PUNCT
fsr-3184	231	189	0.107	0.107	NUM
fsr-3184	231	190	)	)	PUNCT
fsr-3184	231	191	education	education	NOUN
fsr-3184	231	192	0.161	0.161	NUM
fsr-3184	231	193	*	*	PUNCT
fsr-3184	231	194	*	*	PUNCT
fsr-3184	231	195	*	*	PUNCT
fsr-3184	231	196	1.17	1.17	NUM
fsr-3184	231	197	0.218	0.218	NUM
fsr-3184	231	198	*	*	PUNCT
fsr-3184	231	199	*	*	PUNCT
fsr-3184	231	200	*	*	PUNCT
fsr-3184	231	201	1.24	1.24	NUM
fsr-3184	231	202	0.175	0.175	NUM
fsr-3184	231	203	*	*	PUNCT
fsr-3184	231	204	*	*	PUNCT
fsr-3184	231	205	*	*	PROPN
fsr-3184	231	206	1.19	1.19	NUM
fsr-3184	231	207	se	se	X
fsr-3184	231	208	(	(	PUNCT
fsr-3184	231	209	0.026	0.026	NUM
fsr-3184	231	210	)	)	PUNCT
fsr-3184	231	211	(	(	PUNCT
fsr-3184	231	212	0.025	0.025	NUM
fsr-3184	231	213	)	)	PUNCT
fsr-3184	231	214	(	(	PUNCT
fsr-3184	231	215	0.027	0.027	NUM
fsr-3184	231	216	)	)	PUNCT
fsr-3184	231	217	male	male	NOUN
fsr-3184	231	218	(	(	PUNCT
fsr-3184	231	219	0.007	0.007	NUM
fsr-3184	231	220	0.99	0.99	NUM
fsr-3184	231	221	(	(	PUNCT
fsr-3184	231	222	0.065	0.065	NUM
fsr-3184	231	223	0.94	0.94	NUM
fsr-3184	231	224	0.322	0.322	NUM
fsr-3184	231	225	1.38	1.38	NUM
fsr-3184	231	226	se	se	X
fsr-3184	231	227	(	(	PUNCT
fsr-3184	231	228	0.137	0.137	NUM
fsr-3184	231	229	)	)	PUNCT
fsr-3184	231	230	(	(	PUNCT
fsr-3184	231	231	0.138	0.138	NUM
fsr-3184	231	232	)	)	PUNCT
fsr-3184	231	233	(	(	PUNCT
fsr-3184	231	234	0.186	0.186	NUM
fsr-3184	231	235	)	)	PUNCT
fsr-3184	231	236	age	age	NOUN
fsr-3184	231	237	0.021	0.021	NUM
fsr-3184	231	238	*	*	PUNCT
fsr-3184	231	239	*	*	PUNCT
fsr-3184	231	240	*	*	PUNCT
fsr-3184	231	241	1.02	1.02	NUM
fsr-3184	231	242	0.016	0.016	NUM
fsr-3184	231	243	*	*	PUNCT
fsr-3184	231	244	1.02	1.02	NUM
fsr-3184	231	245	0.008	0.008	NUM
fsr-3184	231	246	1.01	1.01	NUM
fsr-3184	231	247	se	se	X
fsr-3184	231	248	(	(	PUNCT
fsr-3184	231	249	0.005	0.005	NUM
fsr-3184	231	250	)	)	PUNCT
fsr-3184	231	251	(	(	PUNCT
fsr-3184	231	252	0.005	0.005	NUM
fsr-3184	231	253	)	)	PUNCT
fsr-3184	231	254	(	(	PUNCT
fsr-3184	231	255	0.004	0.004	NUM
fsr-3184	231	256	)	)	PUNCT
fsr-3184	231	257	intercept	intercept	NOUN
fsr-3184	231	258	(	(	PUNCT
fsr-3184	231	259	6.56	6.56	NUM
fsr-3184	231	260	(	(	PUNCT
fsr-3184	231	261	5.792	5.792	NUM
fsr-3184	231	262	(	(	PUNCT
fsr-3184	231	263	4.545	4.545	NUM
fsr-3184	231	264	se	se	X
fsr-3184	231	265	(	(	PUNCT
fsr-3184	231	266	0.489	0.489	NUM
fsr-3184	231	267	)	)	PUNCT
fsr-3184	231	268	(	(	PUNCT
fsr-3184	231	269	0.455	0.455	NUM
fsr-3184	231	270	)	)	PUNCT
fsr-3184	231	271	(	(	PUNCT
fsr-3184	231	272	0.511	0.511	NUM
fsr-3184	231	273	)	)	PUNCT
fsr-3184	231	274	intercept	intercept	NOUN
fsr-3184	231	275	(	(	PUNCT
fsr-3184	231	276	3.02	3.02	NUM
fsr-3184	231	277	(	(	PUNCT
fsr-3184	231	278	2.559	2.559	NUM
fsr-3184	231	279	1.028	1.028	NUM
fsr-3184	231	280	se	se	X
fsr-3184	231	281	(	(	PUNCT
fsr-3184	231	282	0.438	0.438	NUM
fsr-3184	231	283	)	)	PUNCT
fsr-3184	231	284	(	(	PUNCT
fsr-3184	231	285	0.428	0.428	NUM
fsr-3184	231	286	)	)	PUNCT
fsr-3184	231	287	(	(	PUNCT
fsr-3184	231	288	0.496	0.496	NUM
fsr-3184	231	289	)	)	PUNCT
fsr-3184	231	290	note	note	NOUN
fsr-3184	231	291	.	.	PUNCT
fsr-3184	232	1	likelihood	likelihood	NOUN
fsr-3184	232	2	ratio	ratio	NOUN
fsr-3184	232	3	test	test	NOUN
fsr-3184	232	4	,	,	PUNCT
fsr-3184	232	5	p	p	NOUN
fsr-3184	232	6	"	"	PUNCT
fsr-3184	232	7	.0001	.0001	NOUN
fsr-3184	232	8	;	;	PUNCT
fsr-3184	232	9	score	score	NOUN
fsr-3184	232	10	test	test	NOUN
fsr-3184	232	11	,	,	PUNCT
fsr-3184	232	12	p	p	NOUN
fsr-3184	232	13	"	"	PUNCT
fsr-3184	232	14	.0001	.0001	PROPN
fsr-3184	232	15	;	;	PUNCT
fsr-3184	232	16	wald	wald	X
fsr-3184	232	17	test	test	NOUN
fsr-3184	232	18	,	,	PUNCT
fsr-3184	232	19	p	p	NOUN
fsr-3184	232	20	"	"	PUNCT
fsr-3184	232	21	.0001	.0001	NOUN
fsr-3184	232	22	;	;	PUNCT
fsr-3184	232	23	score	score	NOUN
fsr-3184	232	24	test	test	NOUN
fsr-3184	232	25	for	for	ADP
fsr-3184	232	26	proportional	proportional	ADJ
fsr-3184	232	27	odds	odd	NOUN
fsr-3184	232	28	assumption	assumption	NOUN
fsr-3184	232	29	,	,	PUNCT
fsr-3184	232	30	p	p	NOUN
fsr-3184	232	31	"	"	PUNCT
fsr-3184	232	32	.05	.05	NUM
fsr-3184	232	33	.	.	PUNCT
fsr-3184	233	1	*	*	PUNCT
fsr-3184	233	2	p	p	NOUN
fsr-3184	233	3	"	"	PUNCT
fsr-3184	233	4	.05	.05	NUM
fsr-3184	233	5	,	,	PUNCT
fsr-3184	233	6	*	*	PUNCT
fsr-3184	233	7	*	*	PUNCT
fsr-3184	233	8	p	p	NOUN
fsr-3184	233	9	"	"	PUNCT
fsr-3184	233	10	.01	.01	NUM
fsr-3184	233	11	,	,	PUNCT
fsr-3184	233	12	*	*	PUNCT
fsr-3184	233	13	*	*	PUNCT
fsr-3184	233	14	*	*	PUNCT
fsr-3184	233	15	p	p	NOUN
fsr-3184	233	16	"	"	PUNCT
fsr-3184	233	17	.001	.001	NUM
fsr-3184	233	18	.	.	PUNCT
fsr-3184	234	1	38	38	NUM
fsr-3184	234	2	c.r	c.r	PROPN
fsr-3184	234	3	.	.	PROPN
fsr-3184	234	4	hudson	hudson	PROPN
fsr-3184	234	5	,	,	PUNCT
fsr-3184	234	6	l.	l.	PROPN
fsr-3184	234	7	palmer	palmer	PROPN
fsr-3184	234	8	/	/	SYM
fsr-3184	234	9	financial	financial	ADJ
fsr-3184	234	10	services	service	NOUN
fsr-3184	234	11	review	review	VERB
fsr-3184	234	12	23	23	NUM
fsr-3184	234	13	(	(	PUNCT
fsr-3184	234	14	2014	2014	NUM
fsr-3184	234	15	)	)	PUNCT
fsr-3184	234	16	25–43	25–43	NUM
fsr-3184	234	17	employees	employee	NOUN
fsr-3184	234	18	who	who	PRON
fsr-3184	234	19	use	use	VERB
fsr-3184	234	20	financial	financial	ADJ
fsr-3184	234	21	information	information	NOUN
fsr-3184	234	22	from	from	ADP
fsr-3184	234	23	informal	informal	ADJ
fsr-3184	234	24	advisors	advisor	NOUN
fsr-3184	234	25	and	and	CCONJ
fsr-3184	234	26	public	public	ADJ
fsr-3184	234	27	sources	source	NOUN
fsr-3184	234	28	.	.	PUNCT
fsr-3184	235	1	this	this	DET
fsr-3184	235	2	relationship	relationship	NOUN
fsr-3184	235	3	is	be	AUX
fsr-3184	235	4	not	not	PART
fsr-3184	235	5	significant	significant	ADJ
fsr-3184	235	6	for	for	ADP
fsr-3184	235	7	high	high	ADJ
fsr-3184	235	8	-	-	PUNCT
fsr-3184	235	9	income	income	NOUN
fsr-3184	235	10	employees	employee	NOUN
fsr-3184	235	11	(	(	PUNCT
fsr-3184	235	12	table	table	NOUN
fsr-3184	235	13	6	6	NUM
fsr-3184	235	14	)	)	PUNCT
fsr-3184	235	15	.	.	PUNCT
fsr-3184	236	1	the	the	DET
fsr-3184	236	2	statistics	statistic	NOUN
fsr-3184	236	3	from	from	ADP
fsr-3184	236	4	this	this	DET
fsr-3184	236	5	ordered	order	VERB
fsr-3184	236	6	logistic	logistic	ADJ
fsr-3184	236	7	regression	regression	NOUN
fsr-3184	236	8	model	model	NOUN
fsr-3184	236	9	indicates	indicate	VERB
fsr-3184	236	10	that	that	SCONJ
fsr-3184	236	11	the	the	DET
fsr-3184	236	12	model	model	NOUN
fsr-3184	236	13	’s	’s	PART
fsr-3184	236	14	convergence	convergence	NOUN
fsr-3184	236	15	criterion	criterion	NOUN
fsr-3184	236	16	is	be	AUX
fsr-3184	236	17	satisfied	satisfied	ADJ
fsr-3184	236	18	and	and	CCONJ
fsr-3184	236	19	the	the	DET
fsr-3184	236	20	model	model	NOUN
fsr-3184	236	21	is	be	AUX
fsr-3184	236	22	determined	determine	VERB
fsr-3184	236	23	to	to	PART
fsr-3184	236	24	be	be	AUX
fsr-3184	236	25	a	a	DET
fsr-3184	236	26	good	good	ADJ
fsr-3184	236	27	fit	fit	NOUN
fsr-3184	236	28	for	for	ADP
fsr-3184	236	29	this	this	DET
fsr-3184	236	30	study	study	NOUN
fsr-3184	236	31	,	,	PUNCT
fsr-3184	236	32	according	accord	VERB
fsr-3184	236	33	to	to	ADP
fsr-3184	236	34	the	the	DET
fsr-3184	236	35	aic	aic	PROPN
fsr-3184	236	36	,	,	PUNCT
fsr-3184	236	37	the	the	DET
fsr-3184	236	38	sc	sc	PROPN
fsr-3184	236	39	,	,	PUNCT
fsr-3184	236	40	and	and	CCONJ
fsr-3184	236	41	the	the	DET
fsr-3184	236	42	(	(	PUNCT
fsr-3184	236	43	2	2	NUM
fsr-3184	236	44	log	log	NOUN
fsr-3184	236	45	l	l	NOUN
fsr-3184	236	46	test	test	NOUN
fsr-3184	236	47	.	.	PUNCT
fsr-3184	237	1	the	the	DET
fsr-3184	237	2	score	score	NOUN
fsr-3184	237	3	test	test	NOUN
fsr-3184	237	4	for	for	ADP
fsr-3184	237	5	proportional	proportional	ADJ
fsr-3184	237	6	odds	odd	NOUN
fsr-3184	237	7	assumption	assumption	NOUN
fsr-3184	237	8	concludes	conclude	VERB
fsr-3184	237	9	that	that	SCONJ
fsr-3184	237	10	the	the	DET
fsr-3184	237	11	ordered	order	VERB
fsr-3184	237	12	logistic	logistic	ADJ
fsr-3184	237	13	coefficients	coefficient	NOUN
fsr-3184	237	14	may	may	AUX
fsr-3184	237	15	not	not	PART
fsr-3184	237	16	be	be	AUX
fsr-3184	237	17	equal	equal	ADJ
fsr-3184	237	18	across	across	ADP
fsr-3184	237	19	the	the	DET
fsr-3184	237	20	three	three	NUM
fsr-3184	237	21	possible	possible	ADJ
fsr-3184	237	22	outcomes	outcome	NOUN
fsr-3184	237	23	of	of	ADP
fsr-3184	237	24	the	the	DET
fsr-3184	237	25	dependent	dependent	ADJ
fsr-3184	237	26	variable	variable	NOUN
fsr-3184	237	27	(	(	PUNCT
fsr-3184	237	28	low	low	ADJ
fsr-3184	237	29	,	,	PUNCT
fsr-3184	237	30	medium	medium	ADJ
fsr-3184	237	31	,	,	PUNCT
fsr-3184	237	32	and	and	CCONJ
fsr-3184	237	33	high	high	ADJ
fsr-3184	237	34	)	)	PUNCT
fsr-3184	237	35	.	.	PUNCT
fsr-3184	238	1	this	this	DET
fsr-3184	238	2	score	score	NOUN
fsr-3184	238	3	test	test	NOUN
fsr-3184	238	4	result	result	NOUN
fsr-3184	238	5	could	could	AUX
fsr-3184	238	6	be	be	AUX
fsr-3184	238	7	because	because	SCONJ
fsr-3184	238	8	of	of	ADP
fsr-3184	238	9	small	small	ADJ
fsr-3184	238	10	sample	sample	NOUN
fsr-3184	238	11	sizes	size	NOUN
fsr-3184	238	12	within	within	ADP
fsr-3184	238	13	one	one	NUM
fsr-3184	238	14	of	of	ADP
fsr-3184	238	15	the	the	DET
fsr-3184	238	16	three	three	NUM
fsr-3184	238	17	possible	possible	ADJ
fsr-3184	238	18	outcomes	outcome	NOUN
fsr-3184	238	19	,	,	PUNCT
fsr-3184	238	20	which	which	PRON
fsr-3184	238	21	can	can	AUX
fsr-3184	238	22	cause	cause	VERB
fsr-3184	238	23	the	the	DET
fsr-3184	238	24	model	model	NOUN
fsr-3184	238	25	to	to	PART
fsr-3184	238	26	fail	fail	VERB
fsr-3184	238	27	this	this	DET
fsr-3184	238	28	test	test	NOUN
fsr-3184	238	29	(	(	PUNCT
fsr-3184	238	30	sas	sa	VERB
fsr-3184	238	31	knowledge	knowledge	NOUN
fsr-3184	238	32	base	base	PROPN
fsr-3184	238	33	,	,	PUNCT
fsr-3184	238	34	2012	2012	NUM
fsr-3184	238	35	)	)	PUNCT
fsr-3184	238	36	.	.	PUNCT
fsr-3184	239	1	separate	separate	ADJ
fsr-3184	239	2	binary	binary	ADJ
fsr-3184	239	3	models	model	NOUN
fsr-3184	239	4	,	,	PUNCT
fsr-3184	239	5	or	or	CCONJ
fsr-3184	239	6	models	model	NOUN
fsr-3184	239	7	that	that	PRON
fsr-3184	239	8	uses	use	VERB
fsr-3184	239	9	binary	binary	ADJ
fsr-3184	239	10	dependent	dependent	ADJ
fsr-3184	239	11	variables	variable	NOUN
fsr-3184	239	12	,	,	PUNCT
fsr-3184	239	13	are	be	AUX
fsr-3184	239	14	ran	run	VERB
fsr-3184	239	15	to	to	PART
fsr-3184	239	16	determine	determine	VERB
fsr-3184	239	17	whether	whether	SCONJ
fsr-3184	239	18	the	the	DET
fsr-3184	239	19	results	result	NOUN
fsr-3184	239	20	of	of	ADP
fsr-3184	239	21	the	the	DET
fsr-3184	239	22	ordered	order	VERB
fsr-3184	239	23	logistic	logistic	ADJ
fsr-3184	239	24	model	model	NOUN
fsr-3184	239	25	appeared	appear	VERB
fsr-3184	239	26	to	to	PART
fsr-3184	239	27	be	be	AUX
fsr-3184	239	28	biased	bias	VERB
fsr-3184	239	29	.	.	PUNCT
fsr-3184	240	1	the	the	DET
fsr-3184	240	2	findings	finding	NOUN
fsr-3184	240	3	from	from	ADP
fsr-3184	240	4	the	the	DET
fsr-3184	240	5	binary	binary	ADJ
fsr-3184	240	6	models	model	NOUN
fsr-3184	240	7	are	be	AUX
fsr-3184	240	8	consistent	consistent	ADJ
fsr-3184	240	9	with	with	ADP
fsr-3184	240	10	the	the	DET
fsr-3184	240	11	findings	finding	NOUN
fsr-3184	240	12	of	of	ADP
fsr-3184	240	13	the	the	DET
fsr-3184	240	14	ordered	order	VERB
fsr-3184	240	15	logistic	logistic	ADJ
fsr-3184	240	16	models	model	NOUN
fsr-3184	240	17	;	;	PUNCT
fsr-3184	240	18	therefore	therefore	ADV
fsr-3184	240	19	,	,	PUNCT
fsr-3184	240	20	the	the	DET
fsr-3184	240	21	findings	finding	NOUN
fsr-3184	240	22	from	from	ADP
fsr-3184	240	23	the	the	DET
fsr-3184	240	24	ordered	order	VERB
fsr-3184	240	25	logistic	logistic	ADJ
fsr-3184	240	26	model	model	NOUN
fsr-3184	240	27	are	be	AUX
fsr-3184	240	28	interpreted	interpret	VERB
fsr-3184	240	29	and	and	CCONJ
fsr-3184	240	30	used	use	VERB
fsr-3184	240	31	in	in	ADP
fsr-3184	240	32	this	this	DET
fsr-3184	240	33	study	study	NOUN
fsr-3184	240	34	.	.	PUNCT
fsr-3184	241	1	5.5	5.5	NUM
fsr-3184	241	2	.	.	PUNCT
fsr-3184	241	3	ordered	order	VERB
fsr-3184	241	4	logistic	logistic	ADJ
fsr-3184	241	5	regression	regression	NOUN
fsr-3184	241	6	results	result	NOUN
fsr-3184	241	7	on	on	ADP
fsr-3184	241	8	other	other	ADJ
fsr-3184	241	9	variables	variable	NOUN
fsr-3184	241	10	(	(	PUNCT
fsr-3184	241	11	savings	saving	NOUN
fsr-3184	241	12	behaviors	behavior	NOUN
fsr-3184	241	13	)	)	PUNCT
fsr-3184	241	14	a	a	DET
fsr-3184	241	15	significant	significant	ADJ
fsr-3184	241	16	and	and	CCONJ
fsr-3184	241	17	positive	positive	ADJ
fsr-3184	241	18	relationship	relationship	NOUN
fsr-3184	241	19	exists	exist	VERB
fsr-3184	241	20	between	between	ADP
fsr-3184	241	21	planning	planning	NOUN
fsr-3184	241	22	and	and	CCONJ
fsr-3184	241	23	the	the	DET
fsr-3184	241	24	proportion	proportion	NOUN
fsr-3184	241	25	of	of	ADP
fsr-3184	241	26	acceptable	acceptable	ADJ
fsr-3184	241	27	savings	saving	NOUN
fsr-3184	241	28	behavior	behavior	NOUN
fsr-3184	241	29	of	of	ADP
fsr-3184	241	30	middle	middle	ADJ
fsr-3184	241	31	-	-	PUNCT
fsr-3184	241	32	income	income	NOUN
fsr-3184	241	33	and	and	CCONJ
fsr-3184	241	34	high	high	ADJ
fsr-3184	241	35	-	-	PUNCT
fsr-3184	241	36	income	income	NOUN
fsr-3184	241	37	employees	employee	NOUN
fsr-3184	241	38	,	,	PUNCT
fsr-3184	241	39	but	but	CCONJ
fsr-3184	241	40	not	not	PART
fsr-3184	241	41	for	for	ADP
fsr-3184	241	42	the	the	DET
fsr-3184	241	43	savings	saving	NOUN
fsr-3184	241	44	behaviors	behavior	NOUN
fsr-3184	241	45	of	of	ADP
fsr-3184	241	46	low	low	ADJ
fsr-3184	241	47	-	-	PUNCT
fsr-3184	241	48	income	income	NOUN
fsr-3184	241	49	employees	employee	NOUN
fsr-3184	241	50	.	.	PUNCT
fsr-3184	242	1	thus	thus	ADV
fsr-3184	242	2	,	,	PUNCT
fsr-3184	242	3	results	result	NOUN
fsr-3184	242	4	indicate	indicate	VERB
fsr-3184	242	5	that	that	SCONJ
fsr-3184	242	6	the	the	DET
fsr-3184	242	7	savings	saving	NOUN
fsr-3184	242	8	behaviors	behavior	NOUN
fsr-3184	242	9	of	of	ADP
fsr-3184	242	10	middle	middle	ADJ
fsr-3184	242	11	-	-	PUNCT
fsr-3184	242	12	income	income	NOUN
fsr-3184	242	13	and	and	CCONJ
fsr-3184	242	14	high	high	ADJ
fsr-3184	242	15	-	-	PUNCT
fsr-3184	242	16	income	income	NOUN
fsr-3184	242	17	employees	employee	NOUN
fsr-3184	242	18	who	who	PRON
fsr-3184	242	19	are	be	AUX
fsr-3184	242	20	planners	planner	NOUN
fsr-3184	242	21	is	be	AUX
fsr-3184	242	22	1.66	1.66	NUM
fsr-3184	242	23	and	and	CCONJ
fsr-3184	242	24	2.06	2.06	NUM
fsr-3184	242	25	times	time	NOUN
fsr-3184	242	26	more	more	ADV
fsr-3184	242	27	likely	likely	ADJ
fsr-3184	242	28	than	than	ADP
fsr-3184	242	29	those	those	PRON
fsr-3184	242	30	of	of	ADP
fsr-3184	242	31	non	non	NOUN
fsr-3184	242	32	-	-	NOUN
fsr-3184	242	33	planners	planner	NOUN
fsr-3184	242	34	to	to	PART
fsr-3184	242	35	rank	rank	VERB
fsr-3184	242	36	as	as	ADV
fsr-3184	242	37	high	high	ADJ
fsr-3184	242	38	or	or	CCONJ
fsr-3184	242	39	medium	medium	NOUN
fsr-3184	242	40	rather	rather	ADV
fsr-3184	242	41	than	than	ADP
fsr-3184	242	42	low	low	ADJ
fsr-3184	242	43	,	,	PUNCT
fsr-3184	242	44	respectively	respectively	ADV
fsr-3184	242	45	(	(	PUNCT
fsr-3184	242	46	table	table	NOUN
fsr-3184	242	47	6	6	NUM
fsr-3184	242	48	)	)	PUNCT
fsr-3184	242	49	.	.	PUNCT
fsr-3184	243	1	on	on	ADP
fsr-3184	243	2	the	the	DET
fsr-3184	243	3	contrary	contrary	NOUN
fsr-3184	243	4	,	,	PUNCT
fsr-3184	243	5	the	the	DET
fsr-3184	243	6	results	result	NOUN
fsr-3184	243	7	indicate	indicate	VERB
fsr-3184	243	8	a	a	DET
fsr-3184	243	9	significant	significant	ADJ
fsr-3184	243	10	and	and	CCONJ
fsr-3184	243	11	negative	negative	ADJ
fsr-3184	243	12	relationship	relationship	NOUN
fsr-3184	243	13	between	between	ADP
fsr-3184	243	14	race	race	NOUN
fsr-3184	243	15	and	and	CCONJ
fsr-3184	243	16	the	the	DET
fsr-3184	243	17	proportion	proportion	NOUN
fsr-3184	243	18	of	of	ADP
fsr-3184	243	19	acceptable	acceptable	ADJ
fsr-3184	243	20	savings	saving	NOUN
fsr-3184	243	21	behaviors	behavior	NOUN
fsr-3184	243	22	of	of	ADP
fsr-3184	243	23	low	low	ADJ
fsr-3184	243	24	-	-	PUNCT
fsr-3184	243	25	income	income	NOUN
fsr-3184	243	26	employees	employee	NOUN
fsr-3184	243	27	.	.	PUNCT
fsr-3184	244	1	thus	thus	ADV
fsr-3184	244	2	,	,	PUNCT
fsr-3184	244	3	the	the	DET
fsr-3184	244	4	savings	saving	NOUN
fsr-3184	244	5	behaviors	behavior	NOUN
fsr-3184	244	6	of	of	ADP
fsr-3184	244	7	low	low	ADJ
fsr-3184	244	8	-	-	PUNCT
fsr-3184	244	9	income	income	NOUN
fsr-3184	244	10	minority	minority	NOUN
fsr-3184	244	11	employees	employee	NOUN
fsr-3184	244	12	are	be	AUX
fsr-3184	244	13	more	more	ADV
fsr-3184	244	14	likely	likely	ADJ
fsr-3184	244	15	to	to	PART
fsr-3184	244	16	rank	rank	VERB
fsr-3184	244	17	as	as	ADP
fsr-3184	244	18	low	low	ADJ
fsr-3184	244	19	,	,	PUNCT
fsr-3184	244	20	rather	rather	ADV
fsr-3184	244	21	than	than	ADP
fsr-3184	244	22	high	high	ADJ
fsr-3184	244	23	or	or	CCONJ
fsr-3184	244	24	medium	medium	ADJ
fsr-3184	244	25	,	,	PUNCT
fsr-3184	244	26	relative	relative	ADJ
fsr-3184	244	27	to	to	ADP
fsr-3184	244	28	those	those	PRON
fsr-3184	244	29	of	of	ADP
fsr-3184	244	30	low	low	ADJ
fsr-3184	244	31	-	-	PUNCT
fsr-3184	244	32	income	income	NOUN
fsr-3184	244	33	white	white	ADJ
fsr-3184	244	34	employees	employee	NOUN
fsr-3184	244	35	(	(	PUNCT
fsr-3184	244	36	table	table	NOUN
fsr-3184	244	37	6	6	NUM
fsr-3184	244	38	)	)	PUNCT
fsr-3184	244	39	.	.	PUNCT
fsr-3184	245	1	this	this	DET
fsr-3184	245	2	relationship	relationship	NOUN
fsr-3184	245	3	is	be	AUX
fsr-3184	245	4	also	also	ADV
fsr-3184	245	5	significant	significant	ADJ
fsr-3184	245	6	and	and	CCONJ
fsr-3184	245	7	negative	negative	ADJ
fsr-3184	245	8	for	for	ADP
fsr-3184	245	9	middle	middle	ADJ
fsr-3184	245	10	-	-	PUNCT
fsr-3184	245	11	income	income	NOUN
fsr-3184	245	12	and	and	CCONJ
fsr-3184	245	13	high	high	ADJ
fsr-3184	245	14	-	-	PUNCT
fsr-3184	245	15	income	income	NOUN
fsr-3184	245	16	minority	minority	NOUN
fsr-3184	245	17	employees	employee	NOUN
fsr-3184	245	18	.	.	PUNCT
fsr-3184	246	1	the	the	DET
fsr-3184	246	2	relationship	relationship	NOUN
fsr-3184	246	3	between	between	ADP
fsr-3184	246	4	gender	gender	NOUN
fsr-3184	246	5	and	and	CCONJ
fsr-3184	246	6	acceptable	acceptable	ADJ
fsr-3184	246	7	savings	saving	NOUN
fsr-3184	246	8	behavior	behavior	NOUN
fsr-3184	246	9	is	be	AUX
fsr-3184	246	10	not	not	PART
fsr-3184	246	11	significant	significant	ADJ
fsr-3184	246	12	for	for	ADP
fsr-3184	246	13	any	any	DET
fsr-3184	246	14	income	income	NOUN
fsr-3184	246	15	subsample	subsample	NOUN
fsr-3184	246	16	(	(	PUNCT
fsr-3184	246	17	table	table	NOUN
fsr-3184	246	18	6	6	NUM
fsr-3184	246	19	)	)	PUNCT
fsr-3184	246	20	.	.	PUNCT
fsr-3184	247	1	furthermore	furthermore	ADV
fsr-3184	247	2	,	,	PUNCT
fsr-3184	247	3	a	a	DET
fsr-3184	247	4	significant	significant	ADJ
fsr-3184	247	5	and	and	CCONJ
fsr-3184	247	6	positive	positive	ADJ
fsr-3184	247	7	relationship	relationship	NOUN
fsr-3184	247	8	exists	exist	VERB
fsr-3184	247	9	between	between	ADP
fsr-3184	247	10	education	education	NOUN
fsr-3184	247	11	and	and	CCONJ
fsr-3184	247	12	the	the	DET
fsr-3184	247	13	proportion	proportion	NOUN
fsr-3184	247	14	of	of	ADP
fsr-3184	247	15	acceptable	acceptable	ADJ
fsr-3184	247	16	savings	saving	NOUN
fsr-3184	247	17	behaviors	behavior	NOUN
fsr-3184	247	18	of	of	ADP
fsr-3184	247	19	all	all	DET
fsr-3184	247	20	three	three	NUM
fsr-3184	247	21	income	income	NOUN
fsr-3184	247	22	subsamples	subsample	NOUN
fsr-3184	247	23	.	.	PUNCT
fsr-3184	248	1	specifically	specifically	ADV
fsr-3184	248	2	,	,	PUNCT
fsr-3184	248	3	for	for	ADP
fsr-3184	248	4	each	each	DET
fsr-3184	248	5	additional	additional	ADJ
fsr-3184	248	6	year	year	NOUN
fsr-3184	248	7	of	of	ADP
fsr-3184	248	8	education	education	NOUN
fsr-3184	248	9	,	,	PUNCT
fsr-3184	248	10	the	the	DET
fsr-3184	248	11	odds	odd	NOUN
fsr-3184	248	12	of	of	ADP
fsr-3184	248	13	the	the	DET
fsr-3184	248	14	savings	saving	NOUN
fsr-3184	248	15	behaviors	behavior	NOUN
fsr-3184	248	16	of	of	ADP
fsr-3184	248	17	low	low	ADJ
fsr-3184	248	18	-	-	PUNCT
fsr-3184	248	19	income	income	NOUN
fsr-3184	248	20	employees	employee	NOUN
fsr-3184	248	21	being	be	AUX
fsr-3184	248	22	ranked	rank	VERB
fsr-3184	248	23	as	as	ADV
fsr-3184	248	24	high	high	ADJ
fsr-3184	248	25	or	or	CCONJ
fsr-3184	248	26	medium	medium	ADJ
fsr-3184	248	27	,	,	PUNCT
fsr-3184	248	28	rather	rather	ADV
fsr-3184	248	29	than	than	ADP
fsr-3184	248	30	low	low	ADJ
fsr-3184	248	31	,	,	PUNCT
fsr-3184	248	32	increases	increase	NOUN
fsr-3184	248	33	by	by	ADP
fsr-3184	248	34	a	a	DET
fsr-3184	248	35	multiple	multiple	NOUN
fsr-3184	248	36	of	of	ADP
fsr-3184	248	37	1.17	1.17	NUM
fsr-3184	248	38	.	.	PUNCT
fsr-3184	249	1	likewise	likewise	ADV
fsr-3184	249	2	,	,	PUNCT
fsr-3184	249	3	for	for	ADP
fsr-3184	249	4	each	each	DET
fsr-3184	249	5	additional	additional	ADJ
fsr-3184	249	6	year	year	NOUN
fsr-3184	249	7	of	of	ADP
fsr-3184	249	8	education	education	NOUN
fsr-3184	249	9	,	,	PUNCT
fsr-3184	249	10	the	the	DET
fsr-3184	249	11	odds	odd	NOUN
fsr-3184	249	12	of	of	ADP
fsr-3184	249	13	the	the	DET
fsr-3184	249	14	savings	saving	NOUN
fsr-3184	249	15	behaviors	behavior	NOUN
fsr-3184	249	16	of	of	ADP
fsr-3184	249	17	middle	middle	ADJ
fsr-3184	249	18	-	-	PUNCT
fsr-3184	249	19	income	income	NOUN
fsr-3184	249	20	and	and	CCONJ
fsr-3184	249	21	high	high	ADJ
fsr-3184	249	22	-	-	PUNCT
fsr-3184	249	23	income	income	NOUN
fsr-3184	249	24	employees	employee	NOUN
fsr-3184	249	25	being	be	AUX
fsr-3184	249	26	ranked	rank	VERB
fsr-3184	249	27	as	as	ADV
fsr-3184	249	28	high	high	ADJ
fsr-3184	249	29	or	or	CCONJ
fsr-3184	249	30	medium	medium	ADJ
fsr-3184	249	31	,	,	PUNCT
fsr-3184	249	32	rather	rather	ADV
fsr-3184	249	33	than	than	ADP
fsr-3184	249	34	low	low	ADJ
fsr-3184	249	35	,	,	PUNCT
fsr-3184	249	36	increases	increase	NOUN
fsr-3184	249	37	by	by	ADP
fsr-3184	249	38	a	a	DET
fsr-3184	249	39	multiple	multiple	NOUN
fsr-3184	249	40	of	of	ADP
fsr-3184	249	41	1.24	1.24	NUM
fsr-3184	249	42	and	and	CCONJ
fsr-3184	249	43	1.19	1.19	NUM
fsr-3184	249	44	,	,	PUNCT
fsr-3184	249	45	respectively	respectively	ADV
fsr-3184	249	46	(	(	PUNCT
fsr-3184	249	47	table	table	NOUN
fsr-3184	249	48	6	6	NUM
fsr-3184	249	49	)	)	PUNCT
fsr-3184	249	50	.	.	PUNCT
fsr-3184	250	1	finally	finally	ADV
fsr-3184	250	2	,	,	PUNCT
fsr-3184	250	3	a	a	DET
fsr-3184	250	4	significant	significant	ADJ
fsr-3184	250	5	and	and	CCONJ
fsr-3184	250	6	positive	positive	ADJ
fsr-3184	250	7	relationship	relationship	NOUN
fsr-3184	250	8	exists	exist	VERB
fsr-3184	250	9	between	between	ADP
fsr-3184	250	10	age	age	NOUN
fsr-3184	250	11	and	and	CCONJ
fsr-3184	250	12	the	the	DET
fsr-3184	250	13	proportion	proportion	NOUN
fsr-3184	250	14	of	of	ADP
fsr-3184	250	15	acceptable	acceptable	ADJ
fsr-3184	250	16	savings	saving	NOUN
fsr-3184	250	17	behaviors	behavior	NOUN
fsr-3184	250	18	of	of	ADP
fsr-3184	250	19	low	low	ADJ
fsr-3184	250	20	-	-	PUNCT
fsr-3184	250	21	income	income	NOUN
fsr-3184	250	22	and	and	CCONJ
fsr-3184	250	23	middle	middle	ADJ
fsr-3184	250	24	-	-	PUNCT
fsr-3184	250	25	income	income	NOUN
fsr-3184	250	26	employees	employee	NOUN
fsr-3184	250	27	.	.	PUNCT
fsr-3184	251	1	thus	thus	ADV
fsr-3184	251	2	,	,	PUNCT
fsr-3184	251	3	for	for	ADP
fsr-3184	251	4	each	each	DET
fsr-3184	251	5	additional	additional	ADJ
fsr-3184	251	6	year	year	NOUN
fsr-3184	251	7	of	of	ADP
fsr-3184	251	8	age	age	NOUN
fsr-3184	251	9	,	,	PUNCT
fsr-3184	251	10	the	the	DET
fsr-3184	251	11	odds	odd	NOUN
fsr-3184	251	12	of	of	ADP
fsr-3184	251	13	the	the	DET
fsr-3184	251	14	savings	saving	NOUN
fsr-3184	251	15	behaviors	behavior	NOUN
fsr-3184	251	16	of	of	ADP
fsr-3184	251	17	low	low	ADJ
fsr-3184	251	18	-	-	PUNCT
fsr-3184	251	19	income	income	NOUN
fsr-3184	251	20	and	and	CCONJ
fsr-3184	251	21	middle	middle	ADJ
fsr-3184	251	22	-	-	PUNCT
fsr-3184	251	23	income	income	NOUN
fsr-3184	251	24	employees	employee	NOUN
fsr-3184	251	25	being	be	AUX
fsr-3184	251	26	ranked	rank	VERB
fsr-3184	251	27	as	as	ADV
fsr-3184	251	28	high	high	ADJ
fsr-3184	251	29	or	or	CCONJ
fsr-3184	251	30	medium	medium	ADJ
fsr-3184	251	31	,	,	PUNCT
fsr-3184	251	32	rather	rather	ADV
fsr-3184	251	33	than	than	ADP
fsr-3184	251	34	low	low	ADJ
fsr-3184	251	35	,	,	PUNCT
fsr-3184	251	36	increases	increase	NOUN
fsr-3184	251	37	by	by	ADP
fsr-3184	251	38	a	a	DET
fsr-3184	251	39	multiple	multiple	NOUN
fsr-3184	251	40	of	of	ADP
fsr-3184	251	41	1.02	1.02	NUM
fsr-3184	251	42	,	,	PUNCT
fsr-3184	251	43	for	for	ADP
fsr-3184	251	44	both	both	DET
fsr-3184	251	45	groups	group	NOUN
fsr-3184	251	46	.	.	PUNCT
fsr-3184	252	1	this	this	DET
fsr-3184	252	2	relationship	relationship	NOUN
fsr-3184	252	3	is	be	AUX
fsr-3184	252	4	not	not	PART
fsr-3184	252	5	significant	significant	ADJ
fsr-3184	252	6	for	for	ADP
fsr-3184	252	7	high	high	ADJ
fsr-3184	252	8	-	-	PUNCT
fsr-3184	252	9	income	income	NOUN
fsr-3184	252	10	employees	employee	NOUN
fsr-3184	252	11	.	.	PUNCT
fsr-3184	253	1	the	the	DET
fsr-3184	253	2	relationship	relationship	NOUN
fsr-3184	253	3	between	between	ADP
fsr-3184	253	4	self	self	NOUN
fsr-3184	253	5	-	-	PUNCT
fsr-3184	253	6	employed	employ	VERB
fsr-3184	253	7	and	and	CCONJ
fsr-3184	253	8	acceptable	acceptable	ADJ
fsr-3184	253	9	savings	saving	NOUN
fsr-3184	253	10	behaviors	behavior	NOUN
fsr-3184	253	11	is	be	AUX
fsr-3184	253	12	not	not	PART
fsr-3184	253	13	significant	significant	ADJ
fsr-3184	253	14	for	for	ADP
fsr-3184	253	15	low	low	ADJ
fsr-3184	253	16	-	-	PUNCT
fsr-3184	253	17	income	income	NOUN
fsr-3184	253	18	employees	employee	NOUN
fsr-3184	253	19	but	but	CCONJ
fsr-3184	253	20	is	be	AUX
fsr-3184	253	21	negative	negative	ADJ
fsr-3184	253	22	and	and	CCONJ
fsr-3184	253	23	significant	significant	ADJ
fsr-3184	253	24	for	for	ADP
fsr-3184	253	25	middle	middle	ADJ
fsr-3184	253	26	-	-	PUNCT
fsr-3184	253	27	income	income	NOUN
fsr-3184	253	28	and	and	CCONJ
fsr-3184	253	29	high	high	ADJ
fsr-3184	253	30	-	-	PUNCT
fsr-3184	253	31	income	income	NOUN
fsr-3184	253	32	employees	employee	NOUN
fsr-3184	253	33	(	(	PUNCT
fsr-3184	253	34	table	table	NOUN
fsr-3184	253	35	6	6	NUM
fsr-3184	253	36	)	)	PUNCT
fsr-3184	253	37	.	.	PUNCT
fsr-3184	254	1	39c.r	39c.r	NUM
fsr-3184	254	2	.	.	PUNCT
fsr-3184	255	1	hudson	hudson	PROPN
fsr-3184	255	2	,	,	PUNCT
fsr-3184	255	3	l.	l.	PROPN
fsr-3184	255	4	palmer	palmer	PROPN
fsr-3184	255	5	/	/	SYM
fsr-3184	255	6	financial	financial	ADJ
fsr-3184	255	7	services	service	NOUN
fsr-3184	255	8	review	review	VERB
fsr-3184	255	9	23	23	NUM
fsr-3184	255	10	(	(	PUNCT
fsr-3184	255	11	2014	2014	NUM
fsr-3184	255	12	)	)	PUNCT
fsr-3184	255	13	25–43	25–43	NUM
fsr-3184	255	14	6	6	NUM
fsr-3184	255	15	.	.	PUNCT
fsr-3184	255	16	discussion	discussion	NOUN
fsr-3184	255	17	6.1	6.1	NUM
fsr-3184	255	18	.	.	PUNCT
fsr-3184	256	1	impact	impact	NOUN
fsr-3184	256	2	of	of	ADP
fsr-3184	256	3	financial	financial	ADJ
fsr-3184	256	4	information	information	NOUN
fsr-3184	256	5	on	on	ADP
fsr-3184	256	6	low	low	ADJ
fsr-3184	256	7	-	-	PUNCT
fsr-3184	256	8	income	income	NOUN
fsr-3184	256	9	employees	employee	NOUN
fsr-3184	256	10	’	’	PART
fsr-3184	256	11	financial	financial	ADJ
fsr-3184	256	12	behaviors	behavior	NOUN
fsr-3184	256	13	this	this	DET
fsr-3184	256	14	study	study	NOUN
fsr-3184	256	15	finds	find	VERB
fsr-3184	256	16	a	a	DET
fsr-3184	256	17	significant	significant	ADJ
fsr-3184	256	18	and	and	CCONJ
fsr-3184	256	19	positive	positive	ADJ
fsr-3184	256	20	relationship	relationship	NOUN
fsr-3184	256	21	between	between	ADP
fsr-3184	256	22	the	the	DET
fsr-3184	256	23	use	use	NOUN
fsr-3184	256	24	of	of	ADP
fsr-3184	256	25	information	information	NOUN
fsr-3184	256	26	from	from	ADP
fsr-3184	256	27	formal	formal	ADJ
fsr-3184	256	28	advisors	advisor	NOUN
fsr-3184	256	29	and	and	CCONJ
fsr-3184	256	30	the	the	DET
fsr-3184	256	31	proportion	proportion	NOUN
fsr-3184	256	32	of	of	ADP
fsr-3184	256	33	acceptable	acceptable	ADJ
fsr-3184	256	34	financial	financial	ADJ
fsr-3184	256	35	behaviors	behavior	NOUN
fsr-3184	256	36	of	of	ADP
fsr-3184	256	37	low	low	ADJ
fsr-3184	256	38	-	-	PUNCT
fsr-3184	256	39	income	income	NOUN
fsr-3184	256	40	employees	employee	NOUN
fsr-3184	256	41	.	.	PUNCT
fsr-3184	257	1	although	although	SCONJ
fsr-3184	257	2	only	only	ADV
fsr-3184	257	3	correlational	correlational	ADJ
fsr-3184	257	4	,	,	PUNCT
fsr-3184	257	5	this	this	DET
fsr-3184	257	6	finding	finding	NOUN
fsr-3184	257	7	suggests	suggest	VERB
fsr-3184	257	8	that	that	SCONJ
fsr-3184	257	9	financial	financial	ADJ
fsr-3184	257	10	information	information	NOUN
fsr-3184	257	11	from	from	ADP
fsr-3184	257	12	formal	formal	ADJ
fsr-3184	257	13	advisors	advisor	NOUN
fsr-3184	257	14	would	would	AUX
fsr-3184	257	15	positively	positively	ADV
fsr-3184	257	16	affect	affect	VERB
fsr-3184	257	17	the	the	DET
fsr-3184	257	18	financial	financial	ADJ
fsr-3184	257	19	behaviors	behavior	NOUN
fsr-3184	257	20	of	of	ADP
fsr-3184	257	21	low	low	ADJ
fsr-3184	257	22	-	-	PUNCT
fsr-3184	257	23	income	income	NOUN
fsr-3184	257	24	employees	employee	NOUN
fsr-3184	257	25	.	.	PUNCT
fsr-3184	258	1	this	this	PRON
fsr-3184	258	2	is	be	AUX
fsr-3184	258	3	consistent	consistent	ADJ
fsr-3184	258	4	with	with	ADP
fsr-3184	258	5	results	result	NOUN
fsr-3184	258	6	from	from	ADP
fsr-3184	258	7	previous	previous	ADJ
fsr-3184	258	8	studies	study	NOUN
fsr-3184	258	9	in	in	ADP
fsr-3184	258	10	which	which	PRON
fsr-3184	258	11	low	low	ADJ
fsr-3184	258	12	-	-	PUNCT
fsr-3184	258	13	income	income	NOUN
fsr-3184	258	14	employees	employee	NOUN
fsr-3184	258	15	are	be	AUX
fsr-3184	258	16	the	the	DET
fsr-3184	258	17	focal	focal	ADJ
fsr-3184	258	18	group	group	NOUN
fsr-3184	258	19	(	(	PUNCT
fsr-3184	258	20	rand	rand	NOUN
fsr-3184	258	21	,	,	PUNCT
fsr-3184	258	22	2004	2004	NUM
fsr-3184	258	23	;	;	PUNCT
fsr-3184	258	24	loibl	loibl	NOUN
fsr-3184	258	25	and	and	CCONJ
fsr-3184	258	26	hira	hira	PROPN
fsr-3184	258	27	,	,	PUNCT
fsr-3184	258	28	2005	2005	NUM
fsr-3184	258	29	)	)	PUNCT
fsr-3184	258	30	.	.	PUNCT
fsr-3184	259	1	loibl	loibl	PROPN
fsr-3184	259	2	and	and	CCONJ
fsr-3184	259	3	hira	hira	PROPN
fsr-3184	259	4	(	(	PUNCT
fsr-3184	259	5	2005	2005	NUM
fsr-3184	259	6	)	)	PUNCT
fsr-3184	259	7	find	find	VERB
fsr-3184	259	8	that	that	SCONJ
fsr-3184	259	9	financial	financial	ADJ
fsr-3184	259	10	planning	planning	NOUN
fsr-3184	259	11	information	information	NOUN
fsr-3184	259	12	provided	provide	VERB
fsr-3184	259	13	through	through	ADP
fsr-3184	259	14	self	self	NOUN
fsr-3184	259	15	-	-	PUNCT
fsr-3184	259	16	directed	direct	VERB
fsr-3184	259	17	learning	learning	NOUN
fsr-3184	259	18	have	have	VERB
fsr-3184	259	19	a	a	DET
fsr-3184	259	20	significant	significant	ADJ
fsr-3184	259	21	effect	effect	NOUN
fsr-3184	259	22	on	on	ADP
fsr-3184	259	23	low	low	ADJ
fsr-3184	259	24	-	-	PUNCT
fsr-3184	259	25	income	income	NOUN
fsr-3184	259	26	employees	employee	NOUN
fsr-3184	259	27	’	’	PART
fsr-3184	259	28	financial	financial	ADJ
fsr-3184	259	29	behaviors	behavior	NOUN
fsr-3184	259	30	.	.	PUNCT
fsr-3184	260	1	likewise	likewise	ADV
fsr-3184	260	2	,	,	PUNCT
fsr-3184	260	3	rand	rand	NOUN
fsr-3184	260	4	(	(	PUNCT
fsr-3184	260	5	2004	2004	NUM
fsr-3184	260	6	)	)	PUNCT
fsr-3184	260	7	finds	find	VERB
fsr-3184	260	8	that	that	SCONJ
fsr-3184	260	9	financial	financial	ADJ
fsr-3184	260	10	information	information	NOUN
fsr-3184	260	11	seminars	seminar	NOUN
fsr-3184	260	12	improve	improve	VERB
fsr-3184	260	13	a	a	DET
fsr-3184	260	14	low	low	ADJ
fsr-3184	260	15	-	-	PUNCT
fsr-3184	260	16	income	income	NOUN
fsr-3184	260	17	worker	worker	NOUN
fsr-3184	260	18	’s	’s	PART
fsr-3184	260	19	financial	financial	ADJ
fsr-3184	260	20	knowledge	knowledge	NOUN
fsr-3184	260	21	as	as	ADV
fsr-3184	260	22	well	well	ADV
fsr-3184	260	23	as	as	ADP
fsr-3184	260	24	their	their	PRON
fsr-3184	260	25	savings	saving	NOUN
fsr-3184	260	26	behaviors	behavior	NOUN
fsr-3184	260	27	.	.	PUNCT
fsr-3184	261	1	although	although	SCONJ
fsr-3184	261	2	the	the	DET
fsr-3184	261	3	primary	primary	ADJ
fsr-3184	261	4	focus	focus	NOUN
fsr-3184	261	5	of	of	ADP
fsr-3184	261	6	this	this	DET
fsr-3184	261	7	current	current	ADJ
fsr-3184	261	8	study	study	NOUN
fsr-3184	261	9	is	be	AUX
fsr-3184	261	10	low	low	ADJ
fsr-3184	261	11	-	-	PUNCT
fsr-3184	261	12	income	income	NOUN
fsr-3184	261	13	employees	employee	NOUN
fsr-3184	261	14	,	,	PUNCT
fsr-3184	261	15	there	there	PRON
fsr-3184	261	16	are	be	VERB
fsr-3184	261	17	specific	specific	ADJ
fsr-3184	261	18	findings	finding	NOUN
fsr-3184	261	19	that	that	PRON
fsr-3184	261	20	relates	relate	VERB
fsr-3184	261	21	to	to	ADP
fsr-3184	261	22	middle	middle	ADJ
fsr-3184	261	23	-	-	PUNCT
fsr-3184	261	24	income	income	NOUN
fsr-3184	261	25	and	and	CCONJ
fsr-3184	261	26	high	high	ADJ
fsr-3184	261	27	-	-	PUNCT
fsr-3184	261	28	income	income	NOUN
fsr-3184	261	29	employees	employee	NOUN
fsr-3184	261	30	that	that	PRON
fsr-3184	261	31	are	be	AUX
fsr-3184	261	32	worth	worth	ADJ
fsr-3184	261	33	noting	note	VERB
fsr-3184	261	34	.	.	PUNCT
fsr-3184	262	1	this	this	DET
fsr-3184	262	2	study	study	NOUN
fsr-3184	262	3	finds	find	VERB
fsr-3184	262	4	that	that	SCONJ
fsr-3184	262	5	financial	financial	ADJ
fsr-3184	262	6	information	information	NOUN
fsr-3184	262	7	from	from	ADP
fsr-3184	262	8	formal	formal	ADJ
fsr-3184	262	9	advisors	advisor	NOUN
fsr-3184	262	10	does	do	AUX
fsr-3184	262	11	not	not	PART
fsr-3184	262	12	have	have	VERB
fsr-3184	262	13	a	a	DET
fsr-3184	262	14	significant	significant	ADJ
fsr-3184	262	15	effect	effect	NOUN
fsr-3184	262	16	on	on	ADP
fsr-3184	262	17	the	the	DET
fsr-3184	262	18	positive	positive	ADJ
fsr-3184	262	19	cash	cash	NOUN
fsr-3184	262	20	-	-	PUNCT
fsr-3184	262	21	flow	flow	NOUN
fsr-3184	262	22	management	management	NOUN
fsr-3184	262	23	behaviors	behavior	NOUN
fsr-3184	262	24	of	of	ADP
fsr-3184	262	25	middle	middle	ADJ
fsr-3184	262	26	-	-	PUNCT
fsr-3184	262	27	income	income	NOUN
fsr-3184	262	28	and	and	CCONJ
fsr-3184	262	29	high	high	ADJ
fsr-3184	262	30	-	-	PUNCT
fsr-3184	262	31	income	income	NOUN
fsr-3184	262	32	employees	employee	NOUN
fsr-3184	262	33	.	.	PUNCT
fsr-3184	263	1	it	it	PRON
fsr-3184	263	2	is	be	AUX
fsr-3184	263	3	not	not	PART
fsr-3184	263	4	to	to	PART
fsr-3184	263	5	say	say	VERB
fsr-3184	263	6	that	that	SCONJ
fsr-3184	263	7	middle	middle	ADJ
fsr-3184	263	8	-	-	PUNCT
fsr-3184	263	9	income	income	NOUN
fsr-3184	263	10	and	and	CCONJ
fsr-3184	263	11	high	high	ADJ
fsr-3184	263	12	-	-	PUNCT
fsr-3184	263	13	income	income	NOUN
fsr-3184	263	14	employees	employee	NOUN
fsr-3184	263	15	do	do	AUX
fsr-3184	263	16	not	not	PART
fsr-3184	263	17	use	use	VERB
fsr-3184	263	18	information	information	NOUN
fsr-3184	263	19	from	from	ADP
fsr-3184	263	20	formal	formal	ADJ
fsr-3184	263	21	advisors	advisor	NOUN
fsr-3184	263	22	,	,	PUNCT
fsr-3184	263	23	it	it	PRON
fsr-3184	263	24	is	be	AUX
fsr-3184	263	25	just	just	ADV
fsr-3184	263	26	that	that	DET
fsr-3184	263	27	information	information	NOUN
fsr-3184	263	28	from	from	ADP
fsr-3184	263	29	formal	formal	ADJ
fsr-3184	263	30	advisors	advisor	NOUN
fsr-3184	263	31	has	have	VERB
fsr-3184	263	32	no	no	DET
fsr-3184	263	33	significant	significant	ADJ
fsr-3184	263	34	effect	effect	NOUN
fsr-3184	263	35	on	on	ADP
fsr-3184	263	36	their	their	PRON
fsr-3184	263	37	positive	positive	ADJ
fsr-3184	263	38	financial	financial	ADJ
fsr-3184	263	39	behaviors	behavior	NOUN
fsr-3184	263	40	.	.	PUNCT
fsr-3184	264	1	in	in	ADP
fsr-3184	264	2	fact	fact	NOUN
fsr-3184	264	3	,	,	PUNCT
fsr-3184	264	4	research	research	NOUN
fsr-3184	264	5	has	have	AUX
fsr-3184	264	6	shown	show	VERB
fsr-3184	264	7	that	that	SCONJ
fsr-3184	264	8	high	high	ADJ
fsr-3184	264	9	-	-	PUNCT
fsr-3184	264	10	income	income	NOUN
fsr-3184	264	11	employees	employee	NOUN
fsr-3184	264	12	,	,	PUNCT
fsr-3184	264	13	in	in	ADP
fsr-3184	264	14	particular	particular	ADJ
fsr-3184	264	15	,	,	PUNCT
fsr-3184	264	16	use	use	VERB
fsr-3184	264	17	information	information	NOUN
fsr-3184	264	18	from	from	ADP
fsr-3184	264	19	formal	formal	ADJ
fsr-3184	264	20	advisors	advisor	NOUN
fsr-3184	264	21	more	more	ADV
fsr-3184	264	22	so	so	ADV
fsr-3184	264	23	than	than	ADP
fsr-3184	264	24	informal	informal	ADJ
fsr-3184	264	25	advisors	advisor	NOUN
fsr-3184	264	26	(	(	PUNCT
fsr-3184	264	27	olsen	olsen	NOUN
fsr-3184	264	28	and	and	CCONJ
fsr-3184	264	29	whitman	whitman	PROPN
fsr-3184	264	30	,	,	PUNCT
fsr-3184	264	31	2007	2007	NUM
fsr-3184	264	32	)	)	PUNCT
fsr-3184	264	33	.	.	PUNCT
fsr-3184	265	1	additionally	additionally	ADV
fsr-3184	265	2	,	,	PUNCT
fsr-3184	265	3	this	this	DET
fsr-3184	265	4	study	study	NOUN
fsr-3184	265	5	finds	find	VERB
fsr-3184	265	6	that	that	SCONJ
fsr-3184	265	7	the	the	DET
fsr-3184	265	8	savings	savings	NOUN
fsr-3184	265	9	behaviors	behavior	NOUN
fsr-3184	265	10	of	of	ADP
fsr-3184	265	11	high	high	ADJ
fsr-3184	265	12	-	-	PUNCT
fsr-3184	265	13	income	income	NOUN
fsr-3184	265	14	employees	employee	NOUN
fsr-3184	265	15	who	who	PRON
fsr-3184	265	16	use	use	VERB
fsr-3184	265	17	information	information	NOUN
fsr-3184	265	18	from	from	ADP
fsr-3184	265	19	formal	formal	ADJ
fsr-3184	265	20	advisors	advisor	NOUN
fsr-3184	265	21	are	be	AUX
fsr-3184	265	22	more	more	ADV
fsr-3184	265	23	likely	likely	ADJ
fsr-3184	265	24	to	to	PART
fsr-3184	265	25	be	be	AUX
fsr-3184	265	26	ranked	rank	VERB
fsr-3184	265	27	low	low	ADJ
fsr-3184	265	28	as	as	SCONJ
fsr-3184	265	29	opposed	oppose	VERB
fsr-3184	265	30	to	to	ADP
fsr-3184	265	31	medium	medium	NOUN
fsr-3184	265	32	or	or	CCONJ
fsr-3184	265	33	high	high	ADJ
fsr-3184	265	34	.	.	PUNCT
fsr-3184	266	1	however	however	ADV
fsr-3184	266	2	,	,	PUNCT
fsr-3184	266	3	this	this	DET
fsr-3184	266	4	finding	finding	NOUN
fsr-3184	266	5	is	be	AUX
fsr-3184	266	6	not	not	PART
fsr-3184	266	7	significant	significant	ADJ
fsr-3184	266	8	and	and	CCONJ
fsr-3184	266	9	is	be	AUX
fsr-3184	266	10	on	on	ADP
fsr-3184	266	11	the	the	DET
fsr-3184	266	12	borderline	borderline	NOUN
fsr-3184	266	13	of	of	ADP
fsr-3184	266	14	the	the	DET
fsr-3184	266	15	low	low	ADJ
fsr-3184	266	16	and	and	CCONJ
fsr-3184	266	17	medium	medium	NOUN
fsr-3184	266	18	ranking	ranking	NOUN
fsr-3184	266	19	.	.	PUNCT
fsr-3184	267	1	results	result	NOUN
fsr-3184	267	2	from	from	ADP
fsr-3184	267	3	this	this	DET
fsr-3184	267	4	study	study	NOUN
fsr-3184	267	5	are	be	AUX
fsr-3184	267	6	also	also	ADV
fsr-3184	267	7	consistent	consistent	ADJ
fsr-3184	267	8	with	with	ADP
fsr-3184	267	9	previous	previous	ADJ
fsr-3184	267	10	workplace	workplace	NOUN
fsr-3184	267	11	financial	financial	ADJ
fsr-3184	267	12	education	education	NOUN
fsr-3184	267	13	and	and	CCONJ
fsr-3184	267	14	financial	financial	ADJ
fsr-3184	267	15	information	information	NOUN
fsr-3184	267	16	studies	study	NOUN
fsr-3184	267	17	that	that	PRON
fsr-3184	267	18	focus	focus	VERB
fsr-3184	267	19	on	on	ADP
fsr-3184	267	20	all	all	DET
fsr-3184	267	21	employees	employee	NOUN
fsr-3184	267	22	in	in	ADP
fsr-3184	267	23	the	the	DET
fsr-3184	267	24	workforce	workforce	NOUN
fsr-3184	267	25	and	and	CCONJ
fsr-3184	267	26	not	not	PART
fsr-3184	267	27	just	just	ADV
fsr-3184	267	28	low	low	ADJ
fsr-3184	267	29	-	-	PUNCT
fsr-3184	267	30	income	income	NOUN
fsr-3184	267	31	employees	employee	NOUN
fsr-3184	267	32	.	.	PUNCT
fsr-3184	268	1	these	these	DET
fsr-3184	268	2	previous	previous	ADJ
fsr-3184	268	3	studies	study	NOUN
fsr-3184	268	4	find	find	VERB
fsr-3184	268	5	that	that	SCONJ
fsr-3184	268	6	information	information	NOUN
fsr-3184	268	7	from	from	ADP
fsr-3184	268	8	formal	formal	ADJ
fsr-3184	268	9	advisors	advisor	NOUN
fsr-3184	268	10	have	have	VERB
fsr-3184	268	11	a	a	DET
fsr-3184	268	12	positive	positive	ADJ
fsr-3184	268	13	effect	effect	NOUN
fsr-3184	268	14	on	on	ADP
fsr-3184	268	15	the	the	DET
fsr-3184	268	16	financial	financial	ADJ
fsr-3184	268	17	behaviors	behavior	NOUN
fsr-3184	268	18	of	of	ADP
fsr-3184	268	19	all	all	DET
fsr-3184	268	20	employees	employee	NOUN
fsr-3184	268	21	(	(	PUNCT
fsr-3184	268	22	bayer	bayer	PROPN
fsr-3184	268	23	et	et	PROPN
fsr-3184	268	24	al	al	PROPN
fsr-3184	268	25	.	.	PROPN
fsr-3184	268	26	,	,	PUNCT
fsr-3184	268	27	1996	1996	NUM
fsr-3184	268	28	;	;	PUNCT
fsr-3184	268	29	bernheim	bernheim	PROPN
fsr-3184	268	30	and	and	CCONJ
fsr-3184	268	31	garrett	garrett	PROPN
fsr-3184	268	32	,	,	PUNCT
fsr-3184	268	33	2003	2003	NUM
fsr-3184	268	34	;	;	PUNCT
fsr-3184	268	35	byrne	byrne	VERB
fsr-3184	268	36	,	,	PUNCT
fsr-3184	268	37	2007	2007	NUM
fsr-3184	268	38	;	;	PUNCT
fsr-3184	268	39	clark	clark	PROPN
fsr-3184	268	40	et	et	PROPN
fsr-3184	268	41	al	al	PROPN
fsr-3184	268	42	.	.	PROPN
fsr-3184	268	43	,	,	PUNCT
fsr-3184	268	44	2006	2006	NUM
fsr-3184	268	45	;	;	PUNCT
fsr-3184	268	46	dolvin	dolvin	NOUN
fsr-3184	268	47	and	and	CCONJ
fsr-3184	268	48	templeton	templeton	PROPN
fsr-3184	268	49	,	,	PUNCT
fsr-3184	268	50	2006	2006	NUM
fsr-3184	268	51	)	)	PUNCT
fsr-3184	268	52	.	.	PUNCT
fsr-3184	269	1	one	one	NUM
fsr-3184	269	2	difference	difference	NOUN
fsr-3184	269	3	between	between	ADP
fsr-3184	269	4	this	this	DET
fsr-3184	269	5	study	study	NOUN
fsr-3184	269	6	and	and	CCONJ
fsr-3184	269	7	previous	previous	ADJ
fsr-3184	269	8	studies	study	NOUN
fsr-3184	269	9	by	by	ADP
fsr-3184	269	10	bayer	bayer	PROPN
fsr-3184	269	11	et	et	PROPN
fsr-3184	269	12	al	al	PROPN
fsr-3184	269	13	.	.	PROPN
fsr-3184	269	14	(	(	PUNCT
fsr-3184	269	15	1996	1996	NUM
fsr-3184	269	16	)	)	PUNCT
fsr-3184	269	17	as	as	ADV
fsr-3184	269	18	well	well	ADV
fsr-3184	269	19	as	as	ADP
fsr-3184	269	20	bernheim	bernheim	NOUN
fsr-3184	269	21	and	and	CCONJ
fsr-3184	269	22	garrett	garrett	PROPN
fsr-3184	269	23	(	(	PUNCT
fsr-3184	269	24	2003	2003	NUM
fsr-3184	269	25	)	)	PUNCT
fsr-3184	269	26	is	be	AUX
fsr-3184	269	27	that	that	SCONJ
fsr-3184	269	28	these	these	DET
fsr-3184	269	29	previous	previous	ADJ
fsr-3184	269	30	studies	study	NOUN
fsr-3184	269	31	focus	focus	VERB
fsr-3184	269	32	on	on	ADP
fsr-3184	269	33	the	the	DET
fsr-3184	269	34	access	access	NOUN
fsr-3184	269	35	of	of	ADP
fsr-3184	269	36	financial	financial	ADJ
fsr-3184	269	37	information	information	NOUN
fsr-3184	269	38	rather	rather	ADV
fsr-3184	269	39	than	than	ADP
fsr-3184	269	40	the	the	DET
fsr-3184	269	41	use	use	NOUN
fsr-3184	269	42	of	of	ADP
fsr-3184	269	43	financial	financial	ADJ
fsr-3184	269	44	information	information	NOUN
fsr-3184	269	45	from	from	ADP
fsr-3184	269	46	formal	formal	ADJ
fsr-3184	269	47	advisors	advisor	NOUN
fsr-3184	269	48	.	.	PUNCT
fsr-3184	270	1	additionally	additionally	ADV
fsr-3184	270	2	,	,	PUNCT
fsr-3184	270	3	the	the	DET
fsr-3184	270	4	focal	focal	ADJ
fsr-3184	270	5	group	group	NOUN
fsr-3184	270	6	of	of	ADP
fsr-3184	270	7	this	this	DET
fsr-3184	270	8	study	study	NOUN
fsr-3184	270	9	is	be	AUX
fsr-3184	270	10	low	low	ADJ
fsr-3184	270	11	-	-	PUNCT
fsr-3184	270	12	income	income	NOUN
fsr-3184	270	13	employees	employee	NOUN
fsr-3184	270	14	whereas	whereas	SCONJ
fsr-3184	270	15	these	these	DET
fsr-3184	270	16	previous	previous	ADJ
fsr-3184	270	17	studies	study	NOUN
fsr-3184	270	18	did	do	AUX
fsr-3184	270	19	not	not	PART
fsr-3184	270	20	focus	focus	VERB
fsr-3184	270	21	on	on	ADP
fsr-3184	270	22	any	any	DET
fsr-3184	270	23	particular	particular	ADJ
fsr-3184	270	24	segment	segment	NOUN
fsr-3184	270	25	within	within	ADP
fsr-3184	270	26	the	the	DET
fsr-3184	270	27	workplace	workplace	NOUN
fsr-3184	270	28	.	.	PUNCT
fsr-3184	271	1	nevertheless	nevertheless	ADV
fsr-3184	271	2	,	,	PUNCT
fsr-3184	271	3	the	the	DET
fsr-3184	271	4	findings	finding	NOUN
fsr-3184	271	5	of	of	ADP
fsr-3184	271	6	this	this	DET
fsr-3184	271	7	current	current	ADJ
fsr-3184	271	8	study	study	NOUN
fsr-3184	271	9	are	be	AUX
fsr-3184	271	10	still	still	ADV
fsr-3184	271	11	consistent	consistent	ADJ
fsr-3184	271	12	with	with	ADP
fsr-3184	271	13	the	the	DET
fsr-3184	271	14	finding	finding	NOUN
fsr-3184	271	15	of	of	ADP
fsr-3184	271	16	these	these	DET
fsr-3184	271	17	previous	previous	ADJ
fsr-3184	271	18	studies	study	NOUN
fsr-3184	271	19	.	.	PUNCT
fsr-3184	272	1	6.2	6.2	NUM
fsr-3184	272	2	.	.	PUNCT
fsr-3184	272	3	implications	implication	NOUN
fsr-3184	272	4	of	of	ADP
fsr-3184	272	5	the	the	DET
fsr-3184	272	6	current	current	ADJ
fsr-3184	272	7	study	study	NOUN
fsr-3184	272	8	three	three	NUM
fsr-3184	272	9	distinct	distinct	ADJ
fsr-3184	272	10	implications	implication	NOUN
fsr-3184	272	11	are	be	AUX
fsr-3184	272	12	evident	evident	ADJ
fsr-3184	272	13	because	because	SCONJ
fsr-3184	272	14	of	of	ADP
fsr-3184	272	15	this	this	DET
fsr-3184	272	16	study	study	NOUN
fsr-3184	272	17	:	:	PUNCT
fsr-3184	272	18	(	(	PUNCT
fsr-3184	272	19	1	1	X
fsr-3184	272	20	)	)	PUNCT
fsr-3184	272	21	formal	formal	ADJ
fsr-3184	272	22	advisors	advisor	NOUN
fsr-3184	272	23	such	such	ADJ
fsr-3184	272	24	as	as	ADP
fsr-3184	272	25	financial	financial	ADJ
fsr-3184	272	26	planners	planner	NOUN
fsr-3184	272	27	,	,	PUNCT
fsr-3184	272	28	employers	employer	NOUN
fsr-3184	272	29	,	,	PUNCT
fsr-3184	272	30	brokers	broker	NOUN
fsr-3184	272	31	,	,	PUNCT
fsr-3184	272	32	and	and	CCONJ
fsr-3184	272	33	bankers	banker	NOUN
fsr-3184	272	34	should	should	AUX
fsr-3184	272	35	target	target	VERB
fsr-3184	272	36	their	their	PRON
fsr-3184	272	37	financial	financial	ADJ
fsr-3184	272	38	advice	advice	NOUN
fsr-3184	272	39	and	and	CCONJ
fsr-3184	272	40	financial	financial	ADJ
fsr-3184	272	41	education	education	NOUN
fsr-3184	272	42	seminars	seminar	NOUN
fsr-3184	272	43	towards	towards	ADP
fsr-3184	272	44	low	low	ADJ
fsr-3184	272	45	-	-	PUNCT
fsr-3184	272	46	income	income	NOUN
fsr-3184	272	47	employees	employee	NOUN
fsr-3184	272	48	;	;	PUNCT
fsr-3184	272	49	(	(	PUNCT
fsr-3184	272	50	2	2	X
fsr-3184	272	51	)	)	PUNCT
fsr-3184	272	52	employers	employer	NOUN
fsr-3184	272	53	should	should	AUX
fsr-3184	272	54	make	make	VERB
fsr-3184	272	55	formal	formal	ADJ
fsr-3184	272	56	advisors	advisor	NOUN
fsr-3184	272	57	available	available	ADJ
fsr-3184	272	58	to	to	ADP
fsr-3184	272	59	their	their	PRON
fsr-3184	272	60	employees	employee	NOUN
fsr-3184	272	61	for	for	ADP
fsr-3184	272	62	financial	financial	ADJ
fsr-3184	272	63	consultations	consultation	NOUN
fsr-3184	272	64	;	;	PUNCT
fsr-3184	272	65	and	and	CCONJ
fsr-3184	272	66	(	(	PUNCT
fsr-3184	272	67	3	3	X
fsr-3184	272	68	)	)	PUNCT
fsr-3184	272	69	more	more	ADJ
fsr-3184	272	70	40	40	NUM
fsr-3184	272	71	c.r	c.r	PROPN
fsr-3184	272	72	.	.	PROPN
fsr-3184	272	73	hudson	hudson	PROPN
fsr-3184	272	74	,	,	PUNCT
fsr-3184	272	75	l.	l.	PROPN
fsr-3184	272	76	palmer	palmer	PROPN
fsr-3184	272	77	/	/	SYM
fsr-3184	272	78	financial	financial	ADJ
fsr-3184	272	79	services	service	NOUN
fsr-3184	272	80	review	review	VERB
fsr-3184	272	81	23	23	NUM
fsr-3184	272	82	(	(	PUNCT
fsr-3184	272	83	2014	2014	NUM
fsr-3184	272	84	)	)	PUNCT
fsr-3184	273	1	25–43	25–43	NUM
fsr-3184	273	2	research	research	NOUN
fsr-3184	273	3	that	that	PRON
fsr-3184	273	4	focuses	focus	VERB
fsr-3184	273	5	on	on	ADP
fsr-3184	273	6	low	low	ADJ
fsr-3184	273	7	-	-	PUNCT
fsr-3184	273	8	income	income	NOUN
fsr-3184	273	9	employees	employee	NOUN
fsr-3184	273	10	or	or	CCONJ
fsr-3184	273	11	specific	specific	ADJ
fsr-3184	273	12	segments	segment	NOUN
fsr-3184	273	13	of	of	ADP
fsr-3184	273	14	the	the	DET
fsr-3184	273	15	workforce	workforce	NOUN
fsr-3184	273	16	is	be	AUX
fsr-3184	273	17	warranted	warrant	VERB
fsr-3184	273	18	.	.	PUNCT
fsr-3184	274	1	based	base	VERB
fsr-3184	274	2	on	on	ADP
fsr-3184	274	3	the	the	DET
fsr-3184	274	4	findings	finding	NOUN
fsr-3184	274	5	of	of	ADP
fsr-3184	274	6	this	this	DET
fsr-3184	274	7	study	study	NOUN
fsr-3184	274	8	,	,	PUNCT
fsr-3184	274	9	it	it	PRON
fsr-3184	274	10	is	be	AUX
fsr-3184	274	11	obvious	obvious	ADJ
fsr-3184	274	12	that	that	SCONJ
fsr-3184	274	13	the	the	DET
fsr-3184	274	14	financial	financial	ADJ
fsr-3184	274	15	advice	advice	NOUN
fsr-3184	274	16	or	or	CCONJ
fsr-3184	274	17	financial	financial	ADJ
fsr-3184	274	18	information	information	NOUN
fsr-3184	274	19	that	that	SCONJ
fsr-3184	274	20	formal	formal	ADJ
fsr-3184	274	21	advisors	advisor	NOUN
fsr-3184	274	22	provide	provide	VERB
fsr-3184	274	23	has	have	VERB
fsr-3184	274	24	a	a	DET
fsr-3184	274	25	positive	positive	ADJ
fsr-3184	274	26	impact	impact	NOUN
fsr-3184	274	27	on	on	ADP
fsr-3184	274	28	the	the	DET
fsr-3184	274	29	financial	financial	ADJ
fsr-3184	274	30	behaviors	behavior	NOUN
fsr-3184	274	31	of	of	ADP
fsr-3184	274	32	low	low	ADJ
fsr-3184	274	33	-	-	PUNCT
fsr-3184	274	34	income	income	NOUN
fsr-3184	274	35	employees	employee	NOUN
fsr-3184	274	36	.	.	PUNCT
fsr-3184	275	1	in	in	ADP
fsr-3184	275	2	fact	fact	NOUN
fsr-3184	275	3	,	,	PUNCT
fsr-3184	275	4	based	base	VERB
fsr-3184	275	5	on	on	ADP
fsr-3184	275	6	these	these	DET
fsr-3184	275	7	findings	finding	NOUN
fsr-3184	275	8	,	,	PUNCT
fsr-3184	275	9	that	that	DET
fsr-3184	275	10	effect	effect	NOUN
fsr-3184	275	11	would	would	AUX
fsr-3184	275	12	be	be	AUX
fsr-3184	275	13	greater	great	ADJ
fsr-3184	275	14	for	for	ADP
fsr-3184	275	15	low	low	ADJ
fsr-3184	275	16	-	-	PUNCT
fsr-3184	275	17	income	income	NOUN
fsr-3184	275	18	employees	employee	NOUN
fsr-3184	275	19	as	as	SCONJ
fsr-3184	275	20	oppose	oppose	VERB
fsr-3184	275	21	to	to	ADP
fsr-3184	275	22	middle	middle	ADJ
fsr-3184	275	23	-	-	PUNCT
fsr-3184	275	24	income	income	NOUN
fsr-3184	275	25	and	and	CCONJ
fsr-3184	275	26	high	high	ADJ
fsr-3184	275	27	-	-	PUNCT
fsr-3184	275	28	income	income	NOUN
fsr-3184	275	29	employees	employee	NOUN
fsr-3184	275	30	.	.	PUNCT
fsr-3184	276	1	therefore	therefore	ADV
fsr-3184	276	2	,	,	PUNCT
fsr-3184	276	3	if	if	SCONJ
fsr-3184	276	4	formal	formal	ADJ
fsr-3184	276	5	advisors	advisor	NOUN
fsr-3184	276	6	target	target	VERB
fsr-3184	276	7	financial	financial	ADJ
fsr-3184	276	8	information	information	NOUN
fsr-3184	276	9	or	or	CCONJ
fsr-3184	276	10	advice	advice	NOUN
fsr-3184	276	11	towards	towards	ADP
fsr-3184	276	12	low	low	ADJ
fsr-3184	276	13	-	-	PUNCT
fsr-3184	276	14	income	income	NOUN
fsr-3184	276	15	employees	employee	NOUN
fsr-3184	276	16	,	,	PUNCT
fsr-3184	276	17	there	there	PRON
fsr-3184	276	18	would	would	AUX
fsr-3184	276	19	be	be	AUX
fsr-3184	276	20	a	a	DET
fsr-3184	276	21	greater	great	ADJ
fsr-3184	276	22	probability	probability	NOUN
fsr-3184	276	23	of	of	ADP
fsr-3184	276	24	improving	improve	VERB
fsr-3184	276	25	low	low	ADJ
fsr-3184	276	26	-	-	PUNCT
fsr-3184	276	27	income	income	NOUN
fsr-3184	276	28	employees	employee	NOUN
fsr-3184	276	29	’	’	PART
fsr-3184	276	30	financial	financial	ADJ
fsr-3184	276	31	behaviors	behavior	NOUN
fsr-3184	276	32	and	and	CCONJ
fsr-3184	276	33	long	long	ADJ
fsr-3184	276	34	-	-	PUNCT
fsr-3184	276	35	term	term	NOUN
fsr-3184	276	36	financial	financial	ADJ
fsr-3184	276	37	status	status	NOUN
fsr-3184	276	38	.	.	PUNCT
fsr-3184	277	1	ultimately	ultimately	ADV
fsr-3184	277	2	,	,	PUNCT
fsr-3184	277	3	employees	employee	NOUN
fsr-3184	277	4	would	would	AUX
fsr-3184	277	5	make	make	VERB
fsr-3184	277	6	better	well	ADJ
fsr-3184	277	7	financial	financial	ADJ
fsr-3184	277	8	decisions	decision	NOUN
fsr-3184	277	9	and	and	CCONJ
fsr-3184	277	10	experience	experience	VERB
fsr-3184	277	11	less	less	ADJ
fsr-3184	277	12	financial	financial	ADJ
fsr-3184	277	13	stress	stress	NOUN
fsr-3184	277	14	(	(	PUNCT
fsr-3184	277	15	garman	garman	NOUN
fsr-3184	277	16	,	,	PUNCT
fsr-3184	277	17	1999	1999	NUM
fsr-3184	277	18	)	)	PUNCT
fsr-3184	277	19	.	.	PUNCT
fsr-3184	278	1	as	as	ADP
fsr-3184	278	2	a	a	DET
fsr-3184	278	3	result	result	NOUN
fsr-3184	278	4	,	,	PUNCT
fsr-3184	278	5	employers	employer	NOUN
fsr-3184	278	6	would	would	AUX
fsr-3184	278	7	foster	foster	VERB
fsr-3184	278	8	less	less	ADV
fsr-3184	278	9	financially	financially	ADV
fsr-3184	278	10	stressed	stress	VERB
fsr-3184	278	11	,	,	PUNCT
fsr-3184	278	12	more	more	ADV
fsr-3184	278	13	productive	productive	ADJ
fsr-3184	278	14	employees	employee	NOUN
fsr-3184	278	15	(	(	PUNCT
fsr-3184	278	16	garman	garman	NOUN
fsr-3184	278	17	,	,	PUNCT
fsr-3184	278	18	1999	1999	NUM
fsr-3184	278	19	)	)	PUNCT
fsr-3184	278	20	.	.	PUNCT
fsr-3184	279	1	in	in	ADP
fsr-3184	279	2	addition	addition	NOUN
fsr-3184	279	3	to	to	ADP
fsr-3184	279	4	tailoring	tailor	VERB
fsr-3184	279	5	financial	financial	ADJ
fsr-3184	279	6	information	information	NOUN
fsr-3184	279	7	towards	towards	ADP
fsr-3184	279	8	low	low	ADJ
fsr-3184	279	9	-	-	PUNCT
fsr-3184	279	10	income	income	NOUN
fsr-3184	279	11	employees	employee	NOUN
fsr-3184	279	12	,	,	PUNCT
fsr-3184	279	13	employers	employer	NOUN
fsr-3184	279	14	should	should	AUX
fsr-3184	279	15	use	use	VERB
fsr-3184	279	16	third	third	ADJ
fsr-3184	279	17	party	party	NOUN
fsr-3184	279	18	financial	financial	ADJ
fsr-3184	279	19	professionals	professional	NOUN
fsr-3184	279	20	to	to	PART
fsr-3184	279	21	administer	administer	VERB
fsr-3184	279	22	this	this	DET
fsr-3184	279	23	financial	financial	ADJ
fsr-3184	279	24	education	education	NOUN
fsr-3184	279	25	or	or	CCONJ
fsr-3184	279	26	financial	financial	ADJ
fsr-3184	279	27	information	information	NOUN
fsr-3184	279	28	.	.	PUNCT
fsr-3184	280	1	a	a	DET
fsr-3184	280	2	likely	likely	ADJ
fsr-3184	280	3	choice	choice	NOUN
fsr-3184	280	4	would	would	AUX
fsr-3184	280	5	be	be	AUX
fsr-3184	280	6	the	the	DET
fsr-3184	280	7	financial	financial	ADJ
fsr-3184	280	8	professionals	professional	NOUN
fsr-3184	280	9	who	who	PRON
fsr-3184	280	10	administer	administer	VERB
fsr-3184	280	11	the	the	DET
fsr-3184	280	12	company	company	NOUN
fsr-3184	280	13	’s	’s	PART
fsr-3184	280	14	retirement	retirement	NOUN
fsr-3184	280	15	plans	plan	NOUN
fsr-3184	280	16	.	.	PUNCT
fsr-3184	281	1	the	the	DET
fsr-3184	281	2	findings	finding	NOUN
fsr-3184	281	3	of	of	ADP
fsr-3184	281	4	this	this	DET
fsr-3184	281	5	study	study	NOUN
fsr-3184	281	6	suggest	suggest	VERB
fsr-3184	281	7	that	that	SCONJ
fsr-3184	281	8	if	if	SCONJ
fsr-3184	281	9	third	third	ADJ
fsr-3184	281	10	party	party	NOUN
fsr-3184	281	11	financial	financial	ADJ
fsr-3184	281	12	professionals	professional	NOUN
fsr-3184	281	13	are	be	AUX
fsr-3184	281	14	used	use	VERB
fsr-3184	281	15	,	,	PUNCT
fsr-3184	281	16	this	this	PRON
fsr-3184	281	17	would	would	AUX
fsr-3184	281	18	be	be	AUX
fsr-3184	281	19	beneficial	beneficial	ADJ
fsr-3184	281	20	for	for	ADP
fsr-3184	281	21	low	low	ADJ
fsr-3184	281	22	-	-	PUNCT
fsr-3184	281	23	income	income	NOUN
fsr-3184	281	24	employees	employee	NOUN
fsr-3184	281	25	and	and	CCONJ
fsr-3184	281	26	employers	employer	NOUN
fsr-3184	281	27	.	.	PUNCT
fsr-3184	282	1	in	in	ADP
fsr-3184	282	2	fact	fact	NOUN
fsr-3184	282	3	,	,	PUNCT
fsr-3184	282	4	employers	employer	NOUN
fsr-3184	282	5	would	would	AUX
fsr-3184	282	6	receive	receive	VERB
fsr-3184	282	7	a	a	DET
fsr-3184	282	8	return	return	NOUN
fsr-3184	282	9	on	on	ADP
fsr-3184	282	10	this	this	DET
fsr-3184	282	11	investment	investment	NOUN
fsr-3184	282	12	in	in	ADP
fsr-3184	282	13	their	their	PRON
fsr-3184	282	14	employees	employee	NOUN
fsr-3184	282	15	by	by	ADP
fsr-3184	282	16	having	have	VERB
fsr-3184	282	17	more	more	ADV
fsr-3184	282	18	attentive	attentive	ADJ
fsr-3184	282	19	,	,	PUNCT
fsr-3184	282	20	more	more	ADV
fsr-3184	282	21	productive	productive	ADJ
fsr-3184	282	22	employees	employee	NOUN
fsr-3184	282	23	(	(	PUNCT
fsr-3184	282	24	garman	garman	NOUN
fsr-3184	282	25	,	,	PUNCT
fsr-3184	282	26	1999	1999	NUM
fsr-3184	282	27	)	)	PUNCT
fsr-3184	282	28	.	.	PUNCT
fsr-3184	283	1	finally	finally	ADV
fsr-3184	283	2	,	,	PUNCT
fsr-3184	283	3	low	low	ADJ
fsr-3184	283	4	-	-	PUNCT
fsr-3184	283	5	income	income	NOUN
fsr-3184	283	6	employees	employee	NOUN
fsr-3184	283	7	could	could	AUX
fsr-3184	283	8	become	become	VERB
fsr-3184	283	9	more	more	ADV
fsr-3184	283	10	active	active	ADJ
fsr-3184	283	11	investors	investor	NOUN
fsr-3184	283	12	in	in	ADP
fsr-3184	283	13	the	the	DET
fsr-3184	283	14	stock	stock	NOUN
fsr-3184	283	15	market	market	NOUN
fsr-3184	283	16	,	,	PUNCT
fsr-3184	283	17	through	through	ADP
fsr-3184	283	18	their	their	PRON
fsr-3184	283	19	easily	easily	ADV
fsr-3184	283	20	accessible	accessible	ADJ
fsr-3184	283	21	retirement	retirement	NOUN
fsr-3184	283	22	plans	plan	NOUN
fsr-3184	283	23	,	,	PUNCT
fsr-3184	283	24	thus	thus	ADV
fsr-3184	283	25	presenting	present	VERB
fsr-3184	283	26	a	a	DET
fsr-3184	283	27	major	major	ADJ
fsr-3184	283	28	opportunity	opportunity	NOUN
fsr-3184	283	29	for	for	ADP
fsr-3184	283	30	the	the	DET
fsr-3184	283	31	financial	financial	ADJ
fsr-3184	283	32	planning	planning	NOUN
fsr-3184	283	33	industry	industry	NOUN
fsr-3184	283	34	.	.	PUNCT
fsr-3184	284	1	as	as	SCONJ
fsr-3184	284	2	previously	previously	ADV
fsr-3184	284	3	mentioned	mention	VERB
fsr-3184	284	4	,	,	PUNCT
fsr-3184	284	5	low	low	ADJ
fsr-3184	284	6	-	-	PUNCT
fsr-3184	284	7	income	income	NOUN
fsr-3184	284	8	employees	employee	NOUN
fsr-3184	284	9	do	do	AUX
fsr-3184	284	10	not	not	PART
fsr-3184	284	11	significantly	significantly	ADV
fsr-3184	284	12	participate	participate	VERB
fsr-3184	284	13	in	in	ADP
fsr-3184	284	14	the	the	DET
fsr-3184	284	15	stock	stock	NOUN
fsr-3184	284	16	market	market	NOUN
fsr-3184	284	17	(	(	PUNCT
fsr-3184	284	18	rooij	rooij	NOUN
fsr-3184	284	19	et	et	PROPN
fsr-3184	284	20	al	al	PROPN
fsr-3184	284	21	.	.	PROPN
fsr-3184	284	22	,	,	PUNCT
fsr-3184	284	23	2011	2011	NUM
fsr-3184	284	24	)	)	PUNCT
fsr-3184	284	25	.	.	PUNCT
fsr-3184	285	1	however	however	ADV
fsr-3184	285	2	,	,	PUNCT
fsr-3184	285	3	this	this	DET
fsr-3184	285	4	trend	trend	NOUN
fsr-3184	285	5	could	could	AUX
fsr-3184	285	6	change	change	VERB
fsr-3184	285	7	for	for	ADP
fsr-3184	285	8	this	this	DET
fsr-3184	285	9	segment	segment	NOUN
fsr-3184	285	10	of	of	ADP
fsr-3184	285	11	the	the	DET
fsr-3184	285	12	population	population	NOUN
fsr-3184	285	13	,	,	PUNCT
fsr-3184	285	14	and	and	CCONJ
fsr-3184	285	15	more	more	ADJ
fsr-3184	285	16	research	research	NOUN
fsr-3184	285	17	is	be	AUX
fsr-3184	285	18	needed	need	VERB
fsr-3184	285	19	to	to	PART
fsr-3184	285	20	understand	understand	VERB
fsr-3184	285	21	this	this	DET
fsr-3184	285	22	segment	segment	NOUN
fsr-3184	285	23	.	.	PUNCT
fsr-3184	286	1	specially	specially	ADV
fsr-3184	286	2	,	,	PUNCT
fsr-3184	286	3	research	research	NOUN
fsr-3184	286	4	that	that	PRON
fsr-3184	286	5	explores	explore	VERB
fsr-3184	286	6	the	the	DET
fsr-3184	286	7	financial	financial	ADJ
fsr-3184	286	8	characteristics	characteristic	NOUN
fsr-3184	286	9	,	,	PUNCT
fsr-3184	286	10	financial	financial	ADJ
fsr-3184	286	11	behaviors	behavior	NOUN
fsr-3184	286	12	and	and	CCONJ
fsr-3184	286	13	financial	financial	ADJ
fsr-3184	286	14	decision	decision	NOUN
fsr-3184	286	15	-	-	PUNCT
fsr-3184	286	16	making	making	NOUN
fsr-3184	286	17	of	of	ADP
fsr-3184	286	18	low	low	ADJ
fsr-3184	286	19	-	-	PUNCT
fsr-3184	286	20	income	income	NOUN
fsr-3184	286	21	employees	employee	NOUN
fsr-3184	286	22	is	be	AUX
fsr-3184	286	23	necessary	necessary	ADJ
fsr-3184	286	24	to	to	PART
fsr-3184	286	25	design	design	VERB
fsr-3184	286	26	financial	financial	ADJ
fsr-3184	286	27	advice	advice	NOUN
fsr-3184	286	28	,	,	PUNCT
fsr-3184	286	29	education	education	NOUN
fsr-3184	286	30	,	,	PUNCT
fsr-3184	286	31	and	and	CCONJ
fsr-3184	286	32	financial	financial	ADJ
fsr-3184	286	33	information	information	NOUN
fsr-3184	286	34	that	that	PRON
fsr-3184	286	35	is	be	AUX
fsr-3184	286	36	effective	effective	ADJ
fsr-3184	286	37	.	.	PUNCT
fsr-3184	287	1	7	7	X
fsr-3184	287	2	.	.	X
fsr-3184	287	3	conclusions	conclusion	NOUN
fsr-3184	287	4	these	these	DET
fsr-3184	287	5	researchers	researcher	NOUN
fsr-3184	287	6	find	find	VERB
fsr-3184	287	7	(	(	PUNCT
fsr-3184	287	8	1	1	NUM
fsr-3184	287	9	)	)	PUNCT
fsr-3184	287	10	a	a	DET
fsr-3184	287	11	significant	significant	ADJ
fsr-3184	287	12	and	and	CCONJ
fsr-3184	287	13	positive	positive	ADJ
fsr-3184	287	14	relationship	relationship	NOUN
fsr-3184	287	15	between	between	ADP
fsr-3184	287	16	the	the	DET
fsr-3184	287	17	use	use	NOUN
fsr-3184	287	18	of	of	ADP
fsr-3184	287	19	information	information	NOUN
fsr-3184	287	20	from	from	ADP
fsr-3184	287	21	formal	formal	ADJ
fsr-3184	287	22	advisors	advisor	NOUN
fsr-3184	287	23	and	and	CCONJ
fsr-3184	287	24	the	the	DET
fsr-3184	287	25	acceptable	acceptable	ADJ
fsr-3184	287	26	savings	saving	NOUN
fsr-3184	287	27	behaviors	behavior	NOUN
fsr-3184	287	28	of	of	ADP
fsr-3184	287	29	low	low	ADJ
fsr-3184	287	30	-	-	PUNCT
fsr-3184	287	31	income	income	NOUN
fsr-3184	287	32	employees	employee	NOUN
fsr-3184	287	33	and	and	CCONJ
fsr-3184	287	34	(	(	PUNCT
fsr-3184	287	35	2	2	X
fsr-3184	287	36	)	)	PUNCT
fsr-3184	287	37	a	a	DET
fsr-3184	287	38	significant	significant	ADJ
fsr-3184	287	39	and	and	CCONJ
fsr-3184	287	40	positive	positive	ADJ
fsr-3184	287	41	relationship	relationship	NOUN
fsr-3184	287	42	between	between	ADP
fsr-3184	287	43	the	the	DET
fsr-3184	287	44	use	use	NOUN
fsr-3184	287	45	of	of	ADP
fsr-3184	287	46	information	information	NOUN
fsr-3184	287	47	from	from	ADP
fsr-3184	287	48	formal	formal	ADJ
fsr-3184	287	49	advisors	advisor	NOUN
fsr-3184	287	50	and	and	CCONJ
fsr-3184	287	51	the	the	DET
fsr-3184	287	52	cash	cash	NOUN
fsr-3184	287	53	-	-	PUNCT
fsr-3184	287	54	flow	flow	NOUN
fsr-3184	287	55	management	management	NOUN
fsr-3184	287	56	behaviors	behavior	NOUN
fsr-3184	287	57	of	of	ADP
fsr-3184	287	58	low	low	ADJ
fsr-3184	287	59	-	-	PUNCT
fsr-3184	287	60	income	income	NOUN
fsr-3184	287	61	employees	employee	NOUN
fsr-3184	287	62	.	.	PUNCT
fsr-3184	288	1	thus	thus	ADV
fsr-3184	288	2	,	,	PUNCT
fsr-3184	288	3	these	these	DET
fsr-3184	288	4	findings	finding	NOUN
fsr-3184	288	5	suggest	suggest	VERB
fsr-3184	288	6	that	that	SCONJ
fsr-3184	288	7	low	low	ADJ
fsr-3184	288	8	-	-	PUNCT
fsr-3184	288	9	income	income	NOUN
fsr-3184	288	10	employees	employee	NOUN
fsr-3184	288	11	who	who	PRON
fsr-3184	288	12	use	use	VERB
fsr-3184	288	13	information	information	NOUN
fsr-3184	288	14	from	from	ADP
fsr-3184	288	15	formal	formal	ADJ
fsr-3184	288	16	advisors	advisor	NOUN
fsr-3184	288	17	have	have	VERB
fsr-3184	288	18	better	well	ADJ
fsr-3184	288	19	savings	saving	NOUN
fsr-3184	288	20	behaviors	behavior	NOUN
fsr-3184	288	21	and	and	CCONJ
fsr-3184	288	22	better	well	ADJ
fsr-3184	288	23	cash	cash	NOUN
fsr-3184	288	24	-	-	PUNCT
fsr-3184	288	25	flow	flow	NOUN
fsr-3184	288	26	management	management	NOUN
fsr-3184	288	27	behaviors	behavior	NOUN
fsr-3184	288	28	than	than	ADP
fsr-3184	288	29	those	those	PRON
fsr-3184	288	30	who	who	PRON
fsr-3184	288	31	do	do	VERB
fsr-3184	288	32	not	not	PART
fsr-3184	288	33	.	.	PUNCT
fsr-3184	289	1	moreover	moreover	ADV
fsr-3184	289	2	,	,	PUNCT
fsr-3184	289	3	these	these	DET
fsr-3184	289	4	improved	improve	VERB
fsr-3184	289	5	financial	financial	ADJ
fsr-3184	289	6	behaviors	behavior	NOUN
fsr-3184	289	7	could	could	AUX
fsr-3184	289	8	result	result	VERB
fsr-3184	289	9	in	in	ADP
fsr-3184	289	10	better	well	ADJ
fsr-3184	289	11	financial	financial	ADJ
fsr-3184	289	12	decisions	decision	NOUN
fsr-3184	289	13	for	for	ADP
fsr-3184	289	14	low	low	ADJ
fsr-3184	289	15	-	-	PUNCT
fsr-3184	289	16	income	income	NOUN
fsr-3184	289	17	.	.	PUNCT
fsr-3184	290	1	as	as	ADP
fsr-3184	290	2	a	a	DET
fsr-3184	290	3	result	result	NOUN
fsr-3184	290	4	,	,	PUNCT
fsr-3184	290	5	low	low	ADJ
fsr-3184	290	6	-	-	PUNCT
fsr-3184	290	7	income	income	NOUN
fsr-3184	290	8	employees	employee	NOUN
fsr-3184	290	9	could	could	AUX
fsr-3184	290	10	become	become	VERB
fsr-3184	290	11	more	more	ADV
fsr-3184	290	12	financially	financially	ADV
fsr-3184	290	13	literate	literate	ADJ
fsr-3184	290	14	and	and	CCONJ
fsr-3184	290	15	more	more	ADV
fsr-3184	290	16	active	active	ADJ
fsr-3184	290	17	participants	participant	NOUN
fsr-3184	290	18	in	in	ADP
fsr-3184	290	19	the	the	DET
fsr-3184	290	20	stock	stock	NOUN
fsr-3184	290	21	market	market	NOUN
fsr-3184	290	22	.	.	PUNCT
fsr-3184	291	1	the	the	DET
fsr-3184	291	2	secondary	secondary	ADJ
fsr-3184	291	3	findings	finding	NOUN
fsr-3184	291	4	of	of	ADP
fsr-3184	291	5	this	this	DET
fsr-3184	291	6	study	study	NOUN
fsr-3184	291	7	are	be	AUX
fsr-3184	291	8	a	a	DET
fsr-3184	291	9	significant	significant	ADJ
fsr-3184	291	10	and	and	CCONJ
fsr-3184	291	11	positive	positive	ADJ
fsr-3184	291	12	relationship	relationship	NOUN
fsr-3184	291	13	between	between	ADP
fsr-3184	291	14	those	those	DET
fsr-3184	291	15	low	low	ADJ
fsr-3184	291	16	-	-	PUNCT
fsr-3184	291	17	income	income	NOUN
fsr-3184	291	18	employees	employee	NOUN
fsr-3184	291	19	who	who	PRON
fsr-3184	291	20	are	be	AUX
fsr-3184	291	21	planners	planner	NOUN
fsr-3184	291	22	,	,	PUNCT
fsr-3184	291	23	have	have	VERB
fsr-3184	291	24	more	more	ADJ
fsr-3184	291	25	education	education	NOUN
fsr-3184	291	26	,	,	PUNCT
fsr-3184	291	27	and	and	CCONJ
fsr-3184	291	28	are	be	AUX
fsr-3184	291	29	older	old	ADJ
fsr-3184	291	30	and	and	CCONJ
fsr-3184	291	31	their	their	PRON
fsr-3184	291	32	acceptable	acceptable	ADJ
fsr-3184	291	33	cash	cash	NOUN
fsr-3184	291	34	-	-	PUNCT
fsr-3184	291	35	flow	flow	NOUN
fsr-3184	291	36	management	management	NOUN
fsr-3184	291	37	behaviors	behavior	NOUN
fsr-3184	291	38	.	.	PUNCT
fsr-3184	292	1	furthermore	furthermore	ADV
fsr-3184	292	2	,	,	PUNCT
fsr-3184	292	3	a	a	DET
fsr-3184	292	4	significant	significant	ADJ
fsr-3184	292	5	and	and	CCONJ
fsr-3184	292	6	positive	positive	ADJ
fsr-3184	292	7	relationship	relationship	NOUN
fsr-3184	292	8	is	be	AUX
fsr-3184	292	9	found	find	VERB
fsr-3184	292	10	between	between	ADP
fsr-3184	292	11	education	education	NOUN
fsr-3184	292	12	and	and	CCONJ
fsr-3184	292	13	age	age	NOUN
fsr-3184	292	14	and	and	CCONJ
fsr-3184	292	15	the	the	DET
fsr-3184	292	16	acceptable	acceptable	ADJ
fsr-3184	292	17	savings	saving	NOUN
fsr-3184	292	18	behaviors	behavior	NOUN
fsr-3184	292	19	of	of	ADP
fsr-3184	292	20	low	low	ADJ
fsr-3184	292	21	-	-	PUNCT
fsr-3184	292	22	income	income	NOUN
fsr-3184	292	23	employees	employee	NOUN
fsr-3184	292	24	.	.	PUNCT
fsr-3184	293	1	thus	thus	ADV
fsr-3184	293	2	,	,	PUNCT
fsr-3184	293	3	the	the	DET
fsr-3184	293	4	financial	financial	ADJ
fsr-3184	293	5	behaviors	behavior	NOUN
fsr-3184	293	6	of	of	ADP
fsr-3184	293	7	low	low	ADJ
fsr-3184	293	8	-	-	PUNCT
fsr-3184	293	9	income	income	NOUN
fsr-3184	293	10	employees	employee	NOUN
fsr-3184	293	11	who	who	PRON
fsr-3184	293	12	are	be	AUX
fsr-3184	293	13	41c.r	41c.r	NUM
fsr-3184	293	14	.	.	PUNCT
fsr-3184	294	1	hudson	hudson	PROPN
fsr-3184	294	2	,	,	PUNCT
fsr-3184	294	3	l.	l.	PROPN
fsr-3184	294	4	palmer	palmer	PROPN
fsr-3184	294	5	/	/	SYM
fsr-3184	294	6	financial	financial	ADJ
fsr-3184	294	7	services	service	NOUN
fsr-3184	294	8	review	review	VERB
fsr-3184	294	9	23	23	NUM
fsr-3184	294	10	(	(	PUNCT
fsr-3184	294	11	2014	2014	NUM
fsr-3184	294	12	)	)	PUNCT
fsr-3184	294	13	25–43	25–43	NUM
fsr-3184	294	14	planners	planner	NOUN
fsr-3184	294	15	,	,	PUNCT
fsr-3184	294	16	more	more	ADV
fsr-3184	294	17	educated	educate	VERB
fsr-3184	294	18	and	and	CCONJ
fsr-3184	294	19	older	old	ADJ
fsr-3184	294	20	are	be	AUX
fsr-3184	294	21	better	well	ADJ
fsr-3184	294	22	than	than	ADP
fsr-3184	294	23	the	the	DET
fsr-3184	294	24	financial	financial	ADJ
fsr-3184	294	25	behaviors	behavior	NOUN
fsr-3184	294	26	of	of	ADP
fsr-3184	294	27	non	non	NOUN
fsr-3184	294	28	-	-	NOUN
fsr-3184	294	29	planners	planner	NOUN
fsr-3184	294	30	,	,	PUNCT
fsr-3184	294	31	less	less	ADV
fsr-3184	294	32	educated	educate	VERB
fsr-3184	294	33	and	and	CCONJ
fsr-3184	294	34	younger	young	ADJ
fsr-3184	294	35	low	low	ADJ
fsr-3184	294	36	-	-	PUNCT
fsr-3184	294	37	income	income	NOUN
fsr-3184	294	38	employees	employee	NOUN
fsr-3184	294	39	.	.	PUNCT
fsr-3184	295	1	in	in	ADP
fsr-3184	295	2	contrast	contrast	NOUN
fsr-3184	295	3	,	,	PUNCT
fsr-3184	295	4	a	a	DET
fsr-3184	295	5	significant	significant	ADJ
fsr-3184	295	6	and	and	CCONJ
fsr-3184	295	7	negative	negative	ADJ
fsr-3184	295	8	relationship	relationship	NOUN
fsr-3184	295	9	is	be	AUX
fsr-3184	295	10	found	find	VERB
fsr-3184	295	11	between	between	ADP
fsr-3184	295	12	race	race	NOUN
fsr-3184	295	13	and	and	CCONJ
fsr-3184	295	14	the	the	DET
fsr-3184	295	15	acceptable	acceptable	ADJ
fsr-3184	295	16	savings	saving	NOUN
fsr-3184	295	17	and	and	CCONJ
fsr-3184	295	18	acceptable	acceptable	ADJ
fsr-3184	295	19	cash	cash	NOUN
fsr-3184	295	20	-	-	PUNCT
fsr-3184	295	21	flow	flow	NOUN
fsr-3184	295	22	management	management	NOUN
fsr-3184	295	23	behaviors	behavior	NOUN
fsr-3184	295	24	of	of	ADP
fsr-3184	295	25	low	low	ADJ
fsr-3184	295	26	-	-	PUNCT
fsr-3184	295	27	income	income	NOUN
fsr-3184	295	28	employees	employee	NOUN
fsr-3184	295	29	.	.	PUNCT
fsr-3184	296	1	thus	thus	ADV
fsr-3184	296	2	,	,	PUNCT
fsr-3184	296	3	these	these	DET
fsr-3184	296	4	low	low	ADJ
fsr-3184	296	5	-	-	PUNCT
fsr-3184	296	6	income	income	NOUN
fsr-3184	296	7	employees	employee	NOUN
fsr-3184	296	8	who	who	PRON
fsr-3184	296	9	are	be	AUX
fsr-3184	296	10	minorities	minority	NOUN
fsr-3184	296	11	have	have	VERB
fsr-3184	296	12	less	less	ADV
fsr-3184	296	13	positive	positive	ADJ
fsr-3184	296	14	or	or	CCONJ
fsr-3184	296	15	poorer	poor	ADJ
fsr-3184	296	16	savings	saving	NOUN
fsr-3184	296	17	and	and	CCONJ
fsr-3184	296	18	poorer	poor	ADJ
fsr-3184	296	19	cash	cash	NOUN
fsr-3184	296	20	-	-	PUNCT
fsr-3184	296	21	flow	flow	NOUN
fsr-3184	296	22	management	management	NOUN
fsr-3184	296	23	behaviors	behavior	NOUN
fsr-3184	296	24	than	than	ADP
fsr-3184	296	25	their	their	PRON
fsr-3184	296	26	comparable	comparable	ADJ
fsr-3184	296	27	low	low	ADJ
fsr-3184	296	28	-	-	PUNCT
fsr-3184	296	29	income	income	NOUN
fsr-3184	296	30	white	white	ADJ
fsr-3184	296	31	counterparts	counterpart	NOUN
fsr-3184	296	32	.	.	PUNCT
fsr-3184	297	1	references	reference	NOUN
fsr-3184	297	2	andersen	andersen	PROPN
fsr-3184	297	3	,	,	PUNCT
fsr-3184	297	4	r.	r.	PROPN
fsr-3184	297	5	(	(	PUNCT
fsr-3184	297	6	1995	1995	NUM
fsr-3184	297	7	)	)	PUNCT
fsr-3184	297	8	.	.	PUNCT
fsr-3184	298	1	revisiting	revisit	VERB
fsr-3184	298	2	the	the	DET
fsr-3184	298	3	behavioral	behavioral	ADJ
fsr-3184	298	4	model	model	NOUN
fsr-3184	298	5	and	and	CCONJ
fsr-3184	298	6	access	access	NOUN
fsr-3184	298	7	to	to	ADP
fsr-3184	298	8	medical	medical	ADJ
fsr-3184	298	9	care	care	NOUN
fsr-3184	298	10	.	.	PUNCT
fsr-3184	299	1	journal	journal	PROPN
fsr-3184	299	2	of	of	ADP
fsr-3184	299	3	health	health	NOUN
fsr-3184	299	4	and	and	CCONJ
fsr-3184	299	5	social	social	ADJ
fsr-3184	299	6	behavior	behavior	NOUN
fsr-3184	299	7	,	,	PUNCT
fsr-3184	299	8	36	36	NUM
fsr-3184	299	9	,	,	PUNCT
fsr-3184	299	10	1–10	1–10	NOUN
fsr-3184	299	11	.	.	PUNCT
fsr-3184	300	1	bayer	bayer	PROPN
fsr-3184	300	2	,	,	PUNCT
fsr-3184	300	3	p.	p.	PROPN
fsr-3184	300	4	j.	j.	PROPN
fsr-3184	300	5	,	,	PUNCT
fsr-3184	300	6	bernheim	bernheim	PROPN
fsr-3184	300	7	,	,	PUNCT
fsr-3184	300	8	d.	d.	PROPN
fsr-3184	300	9	,	,	PUNCT
fsr-3184	300	10	&	&	CCONJ
fsr-3184	300	11	scholz	scholz	PROPN
fsr-3184	300	12	,	,	PUNCT
fsr-3184	300	13	j.	j.	PROPN
fsr-3184	300	14	k.	k.	PROPN
fsr-3184	300	15	(	(	PUNCT
fsr-3184	300	16	1996	1996	NUM
fsr-3184	300	17	)	)	PUNCT
fsr-3184	300	18	.	.	PUNCT
fsr-3184	301	1	the	the	DET
fsr-3184	301	2	effects	effect	NOUN
fsr-3184	301	3	of	of	ADP
fsr-3184	301	4	financial	financial	ADJ
fsr-3184	301	5	education	education	NOUN
fsr-3184	301	6	in	in	ADP
fsr-3184	301	7	the	the	DET
fsr-3184	301	8	workplace	workplace	NOUN
fsr-3184	301	9	:	:	PUNCT
fsr-3184	301	10	evidence	evidence	NOUN
fsr-3184	301	11	from	from	ADP
fsr-3184	301	12	a	a	DET
fsr-3184	301	13	survey	survey	NOUN
fsr-3184	301	14	of	of	ADP
fsr-3184	301	15	employers	employer	NOUN
fsr-3184	301	16	.	.	PUNCT
fsr-3184	302	1	(	(	PUNCT
fsr-3184	302	2	nber	nber	PROPN
fsr-3184	302	3	working	working	PROPN
fsr-3184	302	4	paper	paper	PROPN
fsr-3184	302	5	no	no	INTJ
fsr-3184	302	6	.	.	PROPN
fsr-3184	303	1	5655	5655	NUM
fsr-3184	303	2	)	)	PUNCT
fsr-3184	303	3	.	.	PUNCT
fsr-3184	304	1	cambridge	cambridge	PROPN
fsr-3184	304	2	,	,	PUNCT
fsr-3184	304	3	ma	ma	PROPN
fsr-3184	304	4	:	:	PUNCT
fsr-3184	304	5	national	national	PROPN
fsr-3184	304	6	bureau	bureau	PROPN
fsr-3184	304	7	of	of	ADP
fsr-3184	304	8	economic	economic	ADJ
fsr-3184	304	9	research	research	NOUN
fsr-3184	304	10	.	.	PUNCT
fsr-3184	305	1	bernheim	bernheim	PROPN
fsr-3184	305	2	,	,	PUNCT
fsr-3184	305	3	d.	d.	PROPN
fsr-3184	305	4	,	,	PUNCT
fsr-3184	305	5	&	&	CCONJ
fsr-3184	305	6	garrett	garrett	PROPN
fsr-3184	305	7	,	,	PUNCT
fsr-3184	305	8	d.	d.	PROPN
fsr-3184	305	9	m.	m.	PROPN
fsr-3184	305	10	(	(	PUNCT
fsr-3184	305	11	2003	2003	NUM
fsr-3184	305	12	)	)	PUNCT
fsr-3184	305	13	.	.	PUNCT
fsr-3184	306	1	the	the	DET
fsr-3184	306	2	effects	effect	NOUN
fsr-3184	306	3	of	of	ADP
fsr-3184	306	4	financial	financial	ADJ
fsr-3184	306	5	education	education	NOUN
fsr-3184	306	6	in	in	ADP
fsr-3184	306	7	the	the	DET
fsr-3184	306	8	workplace	workplace	NOUN
fsr-3184	306	9	:	:	PUNCT
fsr-3184	306	10	evidence	evidence	NOUN
fsr-3184	306	11	from	from	ADP
fsr-3184	306	12	a	a	DET
fsr-3184	306	13	survey	survey	NOUN
fsr-3184	306	14	of	of	ADP
fsr-3184	306	15	households	household	NOUN
fsr-3184	306	16	.	.	PUNCT
fsr-3184	307	1	journal	journal	NOUN
fsr-3184	307	2	of	of	ADP
fsr-3184	307	3	public	public	ADJ
fsr-3184	307	4	economics	economic	NOUN
fsr-3184	307	5	,	,	PUNCT
fsr-3184	307	6	87	87	NUM
fsr-3184	307	7	,	,	PUNCT
fsr-3184	307	8	1487–1519	1487–1519	NUM
fsr-3184	307	9	.	.	PUNCT
fsr-3184	308	1	byrne	byrne	PROPN
fsr-3184	308	2	,	,	PUNCT
fsr-3184	308	3	a.	a.	NOUN
fsr-3184	308	4	(	(	PUNCT
fsr-3184	308	5	2007	2007	NUM
fsr-3184	308	6	)	)	PUNCT
fsr-3184	308	7	.	.	PUNCT
fsr-3184	309	1	employee	employee	NOUN
fsr-3184	309	2	saving	saving	NOUN
fsr-3184	309	3	and	and	CCONJ
fsr-3184	309	4	investment	investment	NOUN
fsr-3184	309	5	decisions	decision	NOUN
fsr-3184	309	6	in	in	ADP
fsr-3184	309	7	defined	define	VERB
fsr-3184	309	8	contribution	contribution	NOUN
fsr-3184	309	9	pension	pension	NOUN
fsr-3184	309	10	plans	plan	NOUN
fsr-3184	309	11	;	;	PUNCT
fsr-3184	309	12	survey	survey	VERB
fsr-3184	309	13	evidence	evidence	NOUN
fsr-3184	309	14	from	from	ADP
fsr-3184	309	15	the	the	DET
fsr-3184	309	16	uk	uk	PROPN
fsr-3184	309	17	.	.	PROPN
fsr-3184	309	18	financial	financial	PROPN
fsr-3184	309	19	services	services	PROPN
fsr-3184	309	20	review	review	PROPN
fsr-3184	309	21	,	,	PUNCT
fsr-3184	309	22	16	16	NUM
fsr-3184	309	23	,	,	PUNCT
fsr-3184	309	24	19–40	19–40	NUM
fsr-3184	309	25	.	.	PUNCT
fsr-3184	310	1	clark	clark	PROPN
fsr-3184	310	2	,	,	PUNCT
fsr-3184	310	3	l.	l.	PROPN
fsr-3184	310	4	r.	r.	PROPN
fsr-3184	310	5	,	,	PUNCT
fsr-3184	310	6	d’ambrosio	d’ambrosio	PROPN
fsr-3184	310	7	,	,	PUNCT
fsr-3184	310	8	b.	b.	PROPN
fsr-3184	310	9	m.	m.	PROPN
fsr-3184	310	10	,	,	PUNCT
fsr-3184	310	11	mcdermed	mcderme	VERB
fsr-3184	310	12	,	,	PUNCT
fsr-3184	310	13	a.	a.	NOUN
fsr-3184	310	14	a.	a.	PROPN
fsr-3184	310	15	,	,	PUNCT
fsr-3184	310	16	&	&	CCONJ
fsr-3184	310	17	sawant	sawant	PROPN
fsr-3184	310	18	,	,	PUNCT
fsr-3184	310	19	k.	k.	PROPN
fsr-3184	310	20	(	(	PUNCT
fsr-3184	310	21	2003	2003	NUM
fsr-3184	310	22	)	)	PUNCT
fsr-3184	310	23	.	.	PUNCT
fsr-3184	311	1	financial	financial	ADJ
fsr-3184	311	2	education	education	NOUN
fsr-3184	311	3	and	and	CCONJ
fsr-3184	311	4	retirement	retirement	NOUN
fsr-3184	311	5	savings	saving	NOUN
fsr-3184	311	6	.	.	PUNCT
fsr-3184	312	1	symposium	symposium	NOUN
fsr-3184	312	2	presentation	presentation	NOUN
fsr-3184	312	3	at	at	ADP
fsr-3184	312	4	the	the	DET
fsr-3184	312	5	sustainable	sustainable	ADJ
fsr-3184	312	6	community	community	NOUN
fsr-3184	312	7	development	development	NOUN
fsr-3184	312	8	:	:	PUNCT
fsr-3184	312	9	what	what	PRON
fsr-3184	312	10	works	work	VERB
fsr-3184	312	11	,	,	PUNCT
fsr-3184	312	12	what	what	PRON
fsr-3184	312	13	does	do	AUX
fsr-3184	312	14	n’t	not	PART
fsr-3184	312	15	,	,	PUNCT
fsr-3184	312	16	and	and	CCONJ
fsr-3184	312	17	why	why	SCONJ
fsr-3184	312	18	conference	conference	NOUN
fsr-3184	312	19	sponsored	sponsor	VERB
fsr-3184	312	20	by	by	ADP
fsr-3184	312	21	the	the	DET
fsr-3184	312	22	federal	federal	ADJ
fsr-3184	312	23	research	research	NOUN
fsr-3184	312	24	system	system	NOUN
fsr-3184	312	25	,	,	PUNCT
fsr-3184	312	26	march	march	PROPN
fsr-3184	312	27	2003	2003	NUM
fsr-3184	312	28	(	(	PUNCT
fsr-3184	312	29	available	available	ADJ
fsr-3184	312	30	at	at	ADP
fsr-3184	312	31	http://papers	http://paper	NOUN
fsr-3184	312	32	.	.	PUNCT
fsr-3184	313	1	ssrn.com/sol3/papers.cfm?abstract_id#390642	ssrn.com/sol3/papers.cfm?abstract_id#390642	VERB
fsr-3184	313	2	)	)	PUNCT
fsr-3184	313	3	.	.	PUNCT
fsr-3184	314	1	clark	clark	PROPN
fsr-3184	314	2	,	,	PUNCT
fsr-3184	314	3	l.	l.	PROPN
fsr-3184	314	4	r.	r.	PROPN
fsr-3184	314	5	,	,	PUNCT
fsr-3184	314	6	d’ambrosio	d’ambrosio	PROPN
fsr-3184	314	7	,	,	PUNCT
fsr-3184	314	8	b.	b.	PROPN
fsr-3184	314	9	m.	m.	PROPN
fsr-3184	314	10	,	,	PUNCT
fsr-3184	314	11	mcdermed	mcderme	VERB
fsr-3184	314	12	,	,	PUNCT
fsr-3184	314	13	a.	a.	NOUN
fsr-3184	314	14	a.	a.	PROPN
fsr-3184	314	15	,	,	PUNCT
fsr-3184	314	16	&	&	CCONJ
fsr-3184	314	17	sawant	sawant	PROPN
fsr-3184	314	18	,	,	PUNCT
fsr-3184	314	19	k.	k.	PROPN
fsr-3184	314	20	(	(	PUNCT
fsr-3184	314	21	2006	2006	NUM
fsr-3184	314	22	)	)	PUNCT
fsr-3184	314	23	.	.	PUNCT
fsr-3184	315	1	retirement	retirement	NOUN
fsr-3184	315	2	plans	plan	NOUN
fsr-3184	315	3	and	and	CCONJ
fsr-3184	315	4	savings	saving	NOUN
fsr-3184	315	5	decisions	decision	NOUN
fsr-3184	315	6	:	:	PUNCT
fsr-3184	315	7	the	the	DET
fsr-3184	315	8	role	role	NOUN
fsr-3184	315	9	of	of	ADP
fsr-3184	315	10	information	information	NOUN
fsr-3184	315	11	and	and	CCONJ
fsr-3184	315	12	education	education	NOUN
fsr-3184	315	13	.	.	PUNCT
fsr-3184	316	1	journal	journal	NOUN
fsr-3184	316	2	of	of	ADP
fsr-3184	316	3	pension	pension	NOUN
fsr-3184	316	4	education	education	NOUN
fsr-3184	316	5	and	and	CCONJ
fsr-3184	316	6	finance	finance	NOUN
fsr-3184	316	7	,	,	PUNCT
fsr-3184	316	8	5	5	NUM
fsr-3184	316	9	,	,	PUNCT
fsr-3184	316	10	45–67	45–67	NUM
fsr-3184	316	11	.	.	X
fsr-3184	317	1	csikszentmihalyi	csikszentmihalyi	PROPN
fsr-3184	317	2	,	,	PUNCT
fsr-3184	317	3	m.	m.	NOUN
fsr-3184	317	4	,	,	PUNCT
fsr-3184	317	5	&	&	CCONJ
fsr-3184	317	6	lefevre	lefevre	PROPN
fsr-3184	317	7	,	,	PUNCT
fsr-3184	317	8	j.	j.	PROPN
fsr-3184	317	9	(	(	PUNCT
fsr-3184	317	10	1989	1989	NUM
fsr-3184	317	11	)	)	PUNCT
fsr-3184	317	12	.	.	PUNCT
fsr-3184	318	1	optimal	optimal	ADJ
fsr-3184	318	2	experience	experience	NOUN
fsr-3184	318	3	in	in	ADP
fsr-3184	318	4	work	work	NOUN
fsr-3184	318	5	and	and	CCONJ
fsr-3184	318	6	leisure	leisure	NOUN
fsr-3184	318	7	.	.	PUNCT
fsr-3184	319	1	journal	journal	NOUN
fsr-3184	319	2	of	of	ADP
fsr-3184	319	3	personality	personality	NOUN
fsr-3184	319	4	and	and	CCONJ
fsr-3184	319	5	social	social	ADJ
fsr-3184	319	6	psychology	psychology	NOUN
fsr-3184	319	7	,	,	PUNCT
fsr-3184	319	8	56	56	NUM
fsr-3184	319	9	,	,	PUNCT
fsr-3184	319	10	815–822	815–822	NUM
fsr-3184	319	11	.	.	PUNCT
fsr-3184	320	1	deaves	deaf	NOUN
fsr-3184	320	2	,	,	PUNCT
fsr-3184	320	3	r.	r.	PROPN
fsr-3184	320	4	,	,	PUNCT
fsr-3184	320	5	veit	veit	PROPN
fsr-3184	320	6	,	,	PUNCT
fsr-3184	320	7	e.	e.	PROPN
fsr-3184	320	8	,	,	PUNCT
fsr-3184	320	9	bhandari	bhandari	PROPN
fsr-3184	320	10	,	,	PUNCT
fsr-3184	320	11	g.	g.	PROPN
fsr-3184	320	12	,	,	PUNCT
fsr-3184	320	13	&	&	CCONJ
fsr-3184	320	14	cheney	cheney	PROPN
fsr-3184	320	15	,	,	PUNCT
fsr-3184	320	16	j.	j.	PROPN
fsr-3184	320	17	(	(	PUNCT
fsr-3184	320	18	2007	2007	NUM
fsr-3184	320	19	)	)	PUNCT
fsr-3184	320	20	.	.	PUNCT
fsr-3184	321	1	the	the	DET
fsr-3184	321	2	savings	saving	NOUN
fsr-3184	321	3	and	and	CCONJ
fsr-3184	321	4	investment	investment	NOUN
fsr-3184	321	5	decisions	decision	NOUN
fsr-3184	321	6	of	of	ADP
fsr-3184	321	7	planners	planner	NOUN
fsr-3184	321	8	:	:	PUNCT
fsr-3184	321	9	a	a	DET
fsr-3184	321	10	cross	cross	ADJ
fsr-3184	321	11	-	-	ADJ
fsr-3184	321	12	sectional	sectional	ADJ
fsr-3184	321	13	study	study	NOUN
fsr-3184	321	14	of	of	ADP
fsr-3184	321	15	college	college	NOUN
fsr-3184	321	16	employees	employee	NOUN
fsr-3184	321	17	.	.	PUNCT
fsr-3184	322	1	financial	financial	ADJ
fsr-3184	322	2	services	service	NOUN
fsr-3184	322	3	review	review	PROPN
fsr-3184	322	4	,	,	PUNCT
fsr-3184	322	5	16	16	NUM
fsr-3184	322	6	,	,	PUNCT
fsr-3184	322	7	117–133	117–133	NUM
fsr-3184	322	8	.	.	PUNCT
fsr-3184	323	1	dolvin	dolvin	PROPN
fsr-3184	323	2	,	,	PUNCT
fsr-3184	323	3	s.	s.	PROPN
fsr-3184	323	4	,	,	PUNCT
fsr-3184	323	5	&	&	CCONJ
fsr-3184	323	6	templeton	templeton	PROPN
fsr-3184	323	7	,	,	PUNCT
fsr-3184	323	8	w.	w.	PROPN
fsr-3184	323	9	(	(	PUNCT
fsr-3184	323	10	2006	2006	NUM
fsr-3184	323	11	)	)	PUNCT
fsr-3184	323	12	.	.	PUNCT
fsr-3184	324	1	financial	financial	ADJ
fsr-3184	324	2	education	education	NOUN
fsr-3184	324	3	and	and	CCONJ
fsr-3184	324	4	asset	asset	NOUN
fsr-3184	324	5	allocation	allocation	NOUN
fsr-3184	324	6	.	.	PUNCT
fsr-3184	325	1	financial	financial	ADJ
fsr-3184	325	2	services	service	NOUN
fsr-3184	325	3	review	review	PROPN
fsr-3184	325	4	,	,	PUNCT
fsr-3184	325	5	15	15	NUM
fsr-3184	325	6	,	,	PUNCT
fsr-3184	325	7	133–149	133–149	NUM
fsr-3184	325	8	.	.	PUNCT
fsr-3184	326	1	edmiston	edmiston	PROPN
fsr-3184	326	2	,	,	PUNCT
fsr-3184	326	3	k.	k.	PROPN
fsr-3184	326	4	,	,	PUNCT
fsr-3184	326	5	&	&	CCONJ
fsr-3184	326	6	gillett	gillett	PROPN
fsr-3184	326	7	-	-	PUNCT
fsr-3184	326	8	fisher	fisher	PROPN
fsr-3184	326	9	,	,	PUNCT
fsr-3184	326	10	m.	m.	NOUN
fsr-3184	326	11	(	(	PUNCT
fsr-3184	326	12	2006	2006	NUM
fsr-3184	326	13	)	)	PUNCT
fsr-3184	326	14	.	.	PUNCT
fsr-3184	327	1	financial	financial	ADJ
fsr-3184	327	2	education	education	NOUN
fsr-3184	327	3	at	at	ADP
fsr-3184	327	4	the	the	DET
fsr-3184	327	5	workplace	workplace	NOUN
fsr-3184	327	6	:	:	PUNCT
fsr-3184	327	7	evidence	evidence	NOUN
fsr-3184	327	8	from	from	ADP
fsr-3184	327	9	a	a	DET
fsr-3184	327	10	survey	survey	NOUN
fsr-3184	327	11	of	of	ADP
fsr-3184	327	12	federal	federal	PROPN
fsr-3184	327	13	reserve	reserve	PROPN
fsr-3184	327	14	bank	bank	PROPN
fsr-3184	327	15	employees	employee	NOUN
fsr-3184	327	16	(	(	PUNCT
fsr-3184	327	17	community	community	NOUN
fsr-3184	327	18	affairs	affair	NOUN
fsr-3184	327	19	working	working	NOUN
fsr-3184	327	20	paper	paper	PROPN
fsr-3184	327	21	no	no	NOUN
fsr-3184	327	22	.	.	PUNCT
fsr-3184	327	23	2006–02	2006–02	NUM
fsr-3184	327	24	)	)	PUNCT
fsr-3184	327	25	.	.	PUNCT
fsr-3184	328	1	kansas	kansas	PROPN
fsr-3184	328	2	city	city	PROPN
fsr-3184	328	3	,	,	PUNCT
fsr-3184	328	4	mo	mo	PROPN
fsr-3184	328	5	:	:	PUNCT
fsr-3184	328	6	federal	federal	PROPN
fsr-3184	328	7	reserve	reserve	PROPN
fsr-3184	328	8	bank	bank	PROPN
fsr-3184	328	9	of	of	ADP
fsr-3184	328	10	kansas	kansas	PROPN
fsr-3184	328	11	city	city	PROPN
fsr-3184	328	12	.	.	PUNCT
fsr-3184	329	1	garman	garman	PROPN
fsr-3184	329	2	,	,	PUNCT
fsr-3184	329	3	t.	t.	PROPN
fsr-3184	329	4	(	(	PUNCT
fsr-3184	329	5	1999	1999	NUM
fsr-3184	329	6	)	)	PUNCT
fsr-3184	329	7	.	.	PUNCT
fsr-3184	330	1	employer	employer	NOUN
fsr-3184	330	2	-	-	PUNCT
fsr-3184	330	3	sponsored	sponsor	VERB
fsr-3184	330	4	education	education	NOUN
fsr-3184	330	5	programs	program	NOUN
fsr-3184	330	6	and	and	CCONJ
fsr-3184	330	7	incentives	incentive	NOUN
fsr-3184	330	8	to	to	PART
fsr-3184	330	9	improve	improve	VERB
fsr-3184	330	10	employees	employee	NOUN
fsr-3184	330	11	’	’	PART
fsr-3184	330	12	financial	financial	ADJ
fsr-3184	330	13	lifestyle	lifestyle	NOUN
fsr-3184	330	14	.	.	PUNCT
fsr-3184	331	1	employment	employment	NOUN
fsr-3184	331	2	relations	relation	NOUN
fsr-3184	331	3	today	today	NOUN
fsr-3184	331	4	,	,	PUNCT
fsr-3184	331	5	25	25	NUM
fsr-3184	331	6	,	,	PUNCT
fsr-3184	331	7	63–72	63–72	NUM
fsr-3184	331	8	.	.	PUNCT
fsr-3184	332	1	garman	garman	PROPN
fsr-3184	332	2	,	,	PUNCT
fsr-3184	332	3	t.	t.	PROPN
fsr-3184	332	4	,	,	PUNCT
fsr-3184	332	5	&	&	CCONJ
fsr-3184	332	6	kim	kim	PROPN
fsr-3184	332	7	,	,	PUNCT
fsr-3184	332	8	j.	j.	PROPN
fsr-3184	332	9	(	(	PUNCT
fsr-3184	332	10	2003	2003	NUM
fsr-3184	332	11	)	)	PUNCT
fsr-3184	332	12	.	.	PUNCT
fsr-3184	333	1	financial	financial	ADJ
fsr-3184	333	2	education	education	NOUN
fsr-3184	333	3	and	and	CCONJ
fsr-3184	333	4	advice	advice	NOUN
fsr-3184	333	5	changes	change	NOUN
fsr-3184	333	6	in	in	ADP
fsr-3184	333	7	worker	worker	NOUN
fsr-3184	333	8	attitudes	attitude	NOUN
fsr-3184	333	9	and	and	CCONJ
fsr-3184	333	10	behaviors	behavior	NOUN
fsr-3184	333	11	.	.	PUNCT
fsr-3184	334	1	journal	journal	PROPN
fsr-3184	334	2	of	of	ADP
fsr-3184	334	3	compensation	compensation	NOUN
fsr-3184	334	4	and	and	CCONJ
fsr-3184	334	5	benefits,1	benefits,1	NOUN
fsr-3184	334	6	,	,	PUNCT
fsr-3184	334	7	7–13	7–13	PROPN
fsr-3184	334	8	.	.	PUNCT
fsr-3184	335	1	gonyea	gonyea	PROPN
fsr-3184	335	2	,	,	PUNCT
fsr-3184	335	3	j.	j.	PROPN
fsr-3184	335	4	g.	g.	PROPN
fsr-3184	335	5	(	(	PUNCT
fsr-3184	335	6	2007	2007	NUM
fsr-3184	335	7	)	)	PUNCT
fsr-3184	335	8	.	.	PUNCT
fsr-3184	336	1	improving	improve	VERB
fsr-3184	336	2	the	the	DET
fsr-3184	336	3	retirement	retirement	NOUN
fsr-3184	336	4	prospects	prospect	NOUN
fsr-3184	336	5	of	of	ADP
fsr-3184	336	6	low	low	ADJ
fsr-3184	336	7	-	-	PUNCT
fsr-3184	336	8	wage	wage	NOUN
fsr-3184	336	9	workers	worker	NOUN
fsr-3184	336	10	in	in	ADP
fsr-3184	336	11	a	a	DET
fsr-3184	336	12	defined	define	VERB
fsr-3184	336	13	contribution	contribution	NOUN
fsr-3184	336	14	world	world	NOUN
fsr-3184	336	15	.	.	PUNCT
fsr-3184	337	1	the	the	DET
fsr-3184	337	2	journal	journal	PROPN
fsr-3184	337	3	of	of	ADP
fsr-3184	337	4	contemporary	contemporary	ADJ
fsr-3184	337	5	social	social	ADJ
fsr-3184	337	6	services	service	NOUN
fsr-3184	337	7	,	,	PUNCT
fsr-3184	337	8	88	88	NUM
fsr-3184	337	9	,	,	PUNCT
fsr-3184	337	10	453–462	453–462	NUM
fsr-3184	337	11	.	.	PUNCT
fsr-3184	337	12	hogarth	hogarth	PROPN
fsr-3184	337	13	,	,	PUNCT
fsr-3184	337	14	j.	j.	PROPN
fsr-3184	337	15	m.	m.	PROPN
fsr-3184	337	16	,	,	PUNCT
fsr-3184	337	17	beverly	beverly	PROPN
fsr-3184	337	18	,	,	PUNCT
fsr-3184	337	19	s.	s.	PROPN
fsr-3184	337	20	g.	g.	PROPN
fsr-3184	337	21	,	,	PUNCT
fsr-3184	337	22	&	&	CCONJ
fsr-3184	337	23	hilgert	hilgert	PROPN
fsr-3184	337	24	,	,	PUNCT
fsr-3184	337	25	m.	m.	NOUN
fsr-3184	337	26	(	(	PUNCT
fsr-3184	337	27	2003	2003	NUM
fsr-3184	337	28	)	)	PUNCT
fsr-3184	337	29	.	.	PUNCT
fsr-3184	338	1	patterns	pattern	NOUN
fsr-3184	338	2	of	of	ADP
fsr-3184	338	3	financial	financial	ADJ
fsr-3184	338	4	behaviors	behavior	NOUN
fsr-3184	338	5	:	:	PUNCT
fsr-3184	338	6	implications	implication	NOUN
fsr-3184	338	7	for	for	ADP
fsr-3184	338	8	community	community	NOUN
fsr-3184	338	9	educators	educator	NOUN
fsr-3184	338	10	and	and	CCONJ
fsr-3184	338	11	policy	policy	NOUN
fsr-3184	338	12	makers	maker	NOUN
fsr-3184	338	13	.	.	PUNCT
fsr-3184	339	1	paper	paper	NOUN
fsr-3184	339	2	presented	present	VERB
fsr-3184	339	3	at	at	ADP
fsr-3184	339	4	the	the	DET
fsr-3184	339	5	2003	2003	NUM
fsr-3184	339	6	federal	federal	PROPN
fsr-3184	339	7	reserve	reserve	PROPN
fsr-3184	339	8	systems	systems	PROPN
fsr-3184	339	9	community	community	NOUN
fsr-3184	339	10	affairs	affairs	PROPN
fsr-3184	339	11	research	research	NOUN
fsr-3184	339	12	conference	conference	NOUN
fsr-3184	339	13	,	,	PUNCT
fsr-3184	339	14	march	march	PROPN
fsr-3184	339	15	2003	2003	NUM
fsr-3184	339	16	:	:	PUNCT
fsr-3184	339	17	washington	washington	PROPN
fsr-3184	339	18	,	,	PUNCT
fsr-3184	339	19	dc	dc	PROPN
fsr-3184	339	20	.	.	PUNCT
fsr-3184	340	1	(	(	PUNCT
fsr-3184	340	2	available	available	ADJ
fsr-3184	340	3	at	at	ADP
fsr-3184	340	4	http://www.federalreserve.gov/	http://www.federalreserve.gov/	PROPN
fsr-3184	340	5	communityaffairs	communityaffair	NOUN
fsr-3184	340	6	/	/	SYM
fsr-3184	340	7	national	national	PROPN
fsr-3184	340	8	/	/	SYM
fsr-3184	340	9	ca_conf_suscommdev	ca_conf_suscommdev	PROPN
fsr-3184	340	10	/	/	SYM
fsr-3184	340	11	pdf	pdf	NOUN
fsr-3184	340	12	/	/	SYM
fsr-3184	340	13	hogarthjeanne.pdf	hogarthjeanne.pdf	NOUN
fsr-3184	340	14	)	)	PUNCT
fsr-3184	340	15	.	.	PUNCT
fsr-3184	341	1	huston	huston	PROPN
fsr-3184	341	2	,	,	PUNCT
fsr-3184	341	3	s.	s.	PROPN
fsr-3184	341	4	(	(	PUNCT
fsr-3184	341	5	2010	2010	NUM
fsr-3184	341	6	)	)	PUNCT
fsr-3184	341	7	.	.	PUNCT
fsr-3184	342	1	measuring	measure	VERB
fsr-3184	342	2	financial	financial	ADJ
fsr-3184	342	3	literacy	literacy	NOUN
fsr-3184	342	4	.	.	PUNCT
fsr-3184	343	1	the	the	DET
fsr-3184	343	2	journal	journal	NOUN
fsr-3184	343	3	of	of	ADP
fsr-3184	343	4	consumer	consumer	NOUN
fsr-3184	343	5	affairs	affair	NOUN
fsr-3184	343	6	,	,	PUNCT
fsr-3184	343	7	44	44	NUM
fsr-3184	343	8	,	,	PUNCT
fsr-3184	343	9	296–316	296–316	NUM
fsr-3184	343	10	.	.	PUNCT
fsr-3184	343	11	jenkins	jenkins	PROPN
fsr-3184	343	12	,	,	PUNCT
fsr-3184	343	13	v.	v.	PROPN
fsr-3184	343	14	(	(	PUNCT
fsr-3184	343	15	2005	2005	NUM
fsr-3184	343	16	)	)	PUNCT
fsr-3184	343	17	.	.	PUNCT
fsr-3184	344	1	educating	educate	VERB
fsr-3184	344	2	employers	employer	NOUN
fsr-3184	344	3	to	to	PART
fsr-3184	344	4	make	make	VERB
fsr-3184	344	5	an	an	DET
fsr-3184	344	6	informed	informed	ADJ
fsr-3184	344	7	choice	choice	NOUN
fsr-3184	344	8	about	about	ADP
fsr-3184	344	9	financial	financial	ADJ
fsr-3184	344	10	education	education	NOUN
fsr-3184	344	11	.	.	PUNCT
fsr-3184	345	1	pensions	pension	NOUN
fsr-3184	345	2	,	,	PUNCT
fsr-3184	345	3	10	10	NUM
fsr-3184	345	4	,	,	PUNCT
fsr-3184	345	5	331–336	331–336	NUM
fsr-3184	345	6	.	.	PUNCT
fsr-3184	346	1	kennickell	kennickell	PROPN
fsr-3184	346	2	,	,	PUNCT
fsr-3184	346	3	a.	a.	PROPN
fsr-3184	346	4	b.	b.	PROPN
fsr-3184	346	5	(	(	PUNCT
fsr-3184	346	6	2007	2007	NUM
fsr-3184	346	7	)	)	PUNCT
fsr-3184	346	8	.	.	PUNCT
fsr-3184	347	1	look	look	VERB
fsr-3184	347	2	and	and	CCONJ
fsr-3184	347	3	listen	listen	VERB
fsr-3184	347	4	;	;	PUNCT
fsr-3184	347	5	but	but	CCONJ
fsr-3184	347	6	do	do	AUX
fsr-3184	347	7	n’t	not	PART
fsr-3184	347	8	stop	stop	VERB
fsr-3184	347	9	:	:	PUNCT
fsr-3184	347	10	interviewers	interviewer	NOUN
fsr-3184	347	11	and	and	CCONJ
fsr-3184	347	12	data	datum	NOUN
fsr-3184	347	13	quality	quality	NOUN
fsr-3184	347	14	on	on	ADP
fsr-3184	347	15	the	the	DET
fsr-3184	347	16	2007	2007	NUM
fsr-3184	347	17	scf	scf	PROPN
fsr-3184	347	18	.	.	PUNCT
fsr-3184	348	1	washington	washington	PROPN
fsr-3184	348	2	,	,	PUNCT
fsr-3184	348	3	dc	dc	PROPN
fsr-3184	348	4	:	:	PUNCT
fsr-3184	348	5	proceedings	proceeding	NOUN
fsr-3184	348	6	of	of	ADP
fsr-3184	348	7	the	the	DET
fsr-3184	348	8	survey	survey	NOUN
fsr-3184	348	9	research	research	NOUN
fsr-3184	348	10	methods	method	NOUN
fsr-3184	348	11	section	section	NOUN
fsr-3184	348	12	of	of	ADP
fsr-3184	348	13	the	the	DET
fsr-3184	348	14	federal	federal	PROPN
fsr-3184	348	15	reserve	reserve	PROPN
fsr-3184	348	16	(	(	PUNCT
fsr-3184	348	17	pp	pp	ADJ
fsr-3184	348	18	.	.	PUNCT
fsr-3184	348	19	3646	3646	NUM
fsr-3184	348	20	–	–	PUNCT
fsr-3184	348	21	3656	3656	NUM
fsr-3184	348	22	)	)	PUNCT
fsr-3184	348	23	.	.	PUNCT
fsr-3184	349	1	(	(	PUNCT
fsr-3184	349	2	available	available	ADJ
fsr-3184	349	3	at	at	ADP
fsr-3184	349	4	https://www.amstat.org/sections/srms/proceedings/y2007/files/jsm2007-000648.pdf	https://www.amstat.org/sections/srms/proceedings/y2007/files/jsm2007-000648.pdf	PROPN
fsr-3184	349	5	)	)	PUNCT
fsr-3184	349	6	.	.	PUNCT
fsr-3184	350	1	42	42	NUM
fsr-3184	350	2	c.r	c.r	PROPN
fsr-3184	350	3	.	.	PROPN
fsr-3184	350	4	hudson	hudson	PROPN
fsr-3184	350	5	,	,	PUNCT
fsr-3184	350	6	l.	l.	PROPN
fsr-3184	350	7	palmer	palmer	PROPN
fsr-3184	350	8	/	/	SYM
fsr-3184	350	9	financial	financial	ADJ
fsr-3184	350	10	services	service	NOUN
fsr-3184	350	11	review	review	VERB
fsr-3184	350	12	23	23	NUM
fsr-3184	350	13	(	(	PUNCT
fsr-3184	350	14	2014	2014	NUM
fsr-3184	350	15	)	)	PUNCT
fsr-3184	350	16	25–43	25–43	NUM
fsr-3184	350	17	kijakazi	kijakazi	NOUN
fsr-3184	350	18	,	,	PUNCT
fsr-3184	350	19	k.	k.	PROPN
fsr-3184	350	20	(	(	PUNCT
fsr-3184	350	21	2003	2003	NUM
fsr-3184	350	22	)	)	PUNCT
fsr-3184	350	23	.	.	PUNCT
fsr-3184	351	1	low	low	ADJ
fsr-3184	351	2	-	-	PUNCT
fsr-3184	351	3	wage	wage	NOUN
fsr-3184	351	4	earners	earner	NOUN
fsr-3184	351	5	:	:	PUNCT
fsr-3184	351	6	options	option	NOUN
fsr-3184	351	7	for	for	ADP
fsr-3184	351	8	improving	improve	VERB
fsr-3184	351	9	their	their	PRON
fsr-3184	351	10	retirement	retirement	NOUN
fsr-3184	351	11	income	income	NOUN
fsr-3184	351	12	.	.	PUNCT
fsr-3184	352	1	in	in	ADP
fsr-3184	352	2	p.	p.	PROPN
fsr-3184	352	3	edelman	edelman	NOUN
fsr-3184	352	4	,	,	PUNCT
fsr-3184	352	5	d.	d.	PROPN
fsr-3184	352	6	salisbury	salisbury	PROPN
fsr-3184	352	7	,	,	PUNCT
fsr-3184	352	8	&	&	CCONJ
fsr-3184	352	9	p.	p.	PROPN
fsr-3184	352	10	larson	larson	PROPN
fsr-3184	352	11	(	(	PUNCT
fsr-3184	352	12	eds	eds	PROPN
fsr-3184	352	13	.	.	PUNCT
fsr-3184	352	14	)	)	PUNCT
fsr-3184	352	15	,	,	PUNCT
fsr-3184	352	16	the	the	DET
fsr-3184	352	17	future	future	NOUN
fsr-3184	352	18	of	of	ADP
fsr-3184	352	19	social	social	ADJ
fsr-3184	352	20	insurance	insurance	NOUN
fsr-3184	352	21	:	:	PUNCT
fsr-3184	352	22	incremental	incremental	ADJ
fsr-3184	352	23	or	or	CCONJ
fsr-3184	352	24	fundamental	fundamental	ADJ
fsr-3184	352	25	reform	reform	NOUN
fsr-3184	352	26	(	(	PUNCT
fsr-3184	352	27	pp	pp	ADV
fsr-3184	352	28	.	.	PUNCT
fsr-3184	352	29	41–81	41–81	NUM
fsr-3184	352	30	)	)	PUNCT
fsr-3184	352	31	.	.	PUNCT
fsr-3184	353	1	washington	washington	PROPN
fsr-3184	353	2	,	,	PUNCT
fsr-3184	353	3	dc	dc	PROPN
fsr-3184	353	4	:	:	PUNCT
fsr-3184	353	5	national	national	PROPN
fsr-3184	353	6	academy	academy	PROPN
fsr-3184	353	7	of	of	ADP
fsr-3184	353	8	social	social	ADJ
fsr-3184	353	9	insurance	insurance	NOUN
fsr-3184	353	10	.	.	PUNCT
fsr-3184	354	1	krajnak	krajnak	PROPN
fsr-3184	354	2	,	,	PUNCT
fsr-3184	354	3	p.	p.	NOUN
fsr-3184	354	4	a.	a.	NOUN
fsr-3184	354	5	,	,	PUNCT
fsr-3184	354	6	burns	burn	NOUN
fsr-3184	354	7	,	,	PUNCT
fsr-3184	354	8	s.	s.	PROPN
fsr-3184	354	9	a.	a.	PROPN
fsr-3184	354	10	,	,	PUNCT
fsr-3184	354	11	&	&	CCONJ
fsr-3184	354	12	natchek	natchek	PROPN
fsr-3184	354	13	,	,	PUNCT
fsr-3184	354	14	s.	s.	PROPN
fsr-3184	354	15	m.	m.	PROPN
fsr-3184	354	16	(	(	PUNCT
fsr-3184	354	17	2008	2008	NUM
fsr-3184	354	18	)	)	PUNCT
fsr-3184	354	19	.	.	PUNCT
fsr-3184	355	1	retirement	retirement	NOUN
fsr-3184	355	2	education	education	NOUN
fsr-3184	355	3	in	in	ADP
fsr-3184	355	4	the	the	DET
fsr-3184	355	5	workplace	workplace	NOUN
fsr-3184	355	6	.	.	PUNCT
fsr-3184	356	1	financial	financial	ADJ
fsr-3184	356	2	services	service	NOUN
fsr-3184	356	3	review	review	PROPN
fsr-3184	356	4	,	,	PUNCT
fsr-3184	356	5	17	17	NUM
fsr-3184	356	6	,	,	PUNCT
fsr-3184	356	7	131–141	131–141	NUM
fsr-3184	356	8	.	.	PUNCT
fsr-3184	357	1	kunovskaya	kunovskaya	PROPN
fsr-3184	357	2	,	,	PUNCT
fsr-3184	357	3	i.	i.	PROPN
fsr-3184	357	4	(	(	PUNCT
fsr-3184	357	5	2010	2010	NUM
fsr-3184	357	6	)	)	PUNCT
fsr-3184	357	7	.	.	PUNCT
fsr-3184	358	1	the	the	DET
fsr-3184	358	2	impact	impact	NOUN
fsr-3184	358	3	of	of	ADP
fsr-3184	358	4	financial	financial	ADJ
fsr-3184	358	5	literacy	literacy	NOUN
fsr-3184	358	6	on	on	ADP
fsr-3184	358	7	use	use	NOUN
fsr-3184	358	8	of	of	ADP
fsr-3184	358	9	financial	financial	ADJ
fsr-3184	358	10	services	service	NOUN
fsr-3184	358	11	in	in	ADP
fsr-3184	358	12	russia	russia	PROPN
fsr-3184	358	13	.	.	PUNCT
fsr-3184	359	1	ph.d	ph.d	PROPN
fsr-3184	359	2	.	.	PUNCT
fsr-3184	360	1	dissertation	dissertation	NOUN
fsr-3184	360	2	.	.	PUNCT
fsr-3184	361	1	university	university	NOUN
fsr-3184	361	2	of	of	ADP
fsr-3184	361	3	georgia	georgia	PROPN
fsr-3184	361	4	,	,	PUNCT
fsr-3184	361	5	athens	athens	PROPN
fsr-3184	361	6	,	,	PUNCT
fsr-3184	361	7	georgia	georgia	PROPN
fsr-3184	361	8	.	.	PUNCT
fsr-3184	362	1	loibl	loibl	PROPN
fsr-3184	362	2	,	,	PUNCT
fsr-3184	362	3	c.	c.	PROPN
fsr-3184	362	4	,	,	PUNCT
fsr-3184	362	5	&	&	CCONJ
fsr-3184	362	6	hira	hira	PROPN
fsr-3184	362	7	,	,	PUNCT
fsr-3184	362	8	k.	k.	PROPN
fsr-3184	362	9	t.	t.	PROPN
fsr-3184	362	10	(	(	PUNCT
fsr-3184	362	11	2005	2005	NUM
fsr-3184	362	12	)	)	PUNCT
fsr-3184	362	13	.	.	PUNCT
fsr-3184	363	1	self	self	NOUN
fsr-3184	363	2	-	-	PUNCT
fsr-3184	363	3	directed	direct	VERB
fsr-3184	363	4	financial	financial	ADJ
fsr-3184	363	5	learning	learning	NOUN
fsr-3184	363	6	and	and	CCONJ
fsr-3184	363	7	financial	financial	ADJ
fsr-3184	363	8	satisfaction	satisfaction	NOUN
fsr-3184	363	9	.	.	PUNCT
fsr-3184	364	1	financial	financial	ADJ
fsr-3184	364	2	counseling	counseling	NOUN
fsr-3184	364	3	and	and	CCONJ
fsr-3184	364	4	planning	planning	NOUN
fsr-3184	364	5	,	,	PUNCT
fsr-3184	364	6	16	16	NUM
fsr-3184	364	7	,	,	PUNCT
fsr-3184	364	8	11–22	11–22	NUM
fsr-3184	364	9	.	.	PUNCT
fsr-3184	365	1	lusardi	lusardi	PROPN
fsr-3184	365	2	,	,	PUNCT
fsr-3184	365	3	a.	a.	PROPN
fsr-3184	365	4	,	,	PUNCT
fsr-3184	365	5	&	&	CCONJ
fsr-3184	365	6	mitchell	mitchell	PROPN
fsr-3184	365	7	,	,	PUNCT
fsr-3184	365	8	o.	o.	PROPN
fsr-3184	365	9	(	(	PUNCT
fsr-3184	365	10	2005	2005	NUM
fsr-3184	365	11	)	)	PUNCT
fsr-3184	365	12	.	.	PUNCT
fsr-3184	366	1	financial	financial	ADJ
fsr-3184	366	2	literacy	literacy	NOUN
fsr-3184	366	3	and	and	CCONJ
fsr-3184	366	4	planning	planning	NOUN
fsr-3184	366	5	:	:	PUNCT
fsr-3184	366	6	implications	implication	NOUN
fsr-3184	366	7	for	for	ADP
fsr-3184	366	8	retirement	retirement	NOUN
fsr-3184	366	9	wellbeing	wellbee	VERB
fsr-3184	366	10	(	(	PUNCT
fsr-3184	366	11	wp	wp	NOUN
fsr-3184	366	12	2005–108	2005–108	PROPN
fsr-3184	366	13	)	)	PUNCT
fsr-3184	366	14	.	.	PUNCT
fsr-3184	367	1	ann	ann	PROPN
fsr-3184	367	2	arbor	arbor	PROPN
fsr-3184	367	3	,	,	PUNCT
fsr-3184	367	4	mi	mi	PROPN
fsr-3184	367	5	:	:	PUNCT
fsr-3184	367	6	university	university	PROPN
fsr-3184	367	7	of	of	ADP
fsr-3184	367	8	michigan	michigan	PROPN
fsr-3184	367	9	retirement	retirement	PROPN
fsr-3184	367	10	research	research	PROPN
fsr-3184	367	11	center	center	NOUN
fsr-3184	367	12	.	.	PUNCT
fsr-3184	368	1	(	(	PUNCT
fsr-3184	368	2	available	available	ADJ
fsr-3184	368	3	at	at	ADP
fsr-3184	368	4	http://	http://	PROPN
fsr-3184	368	5	papers.ssrn.com/sol3/papers.cfm?abstract_id#881847	papers.ssrn.com/sol3/papers.cfm?abstract_id#881847	PROPN
fsr-3184	368	6	)	)	PUNCT
fsr-3184	368	7	.	.	PUNCT
fsr-3184	369	1	lyons	lyons	PROPN
fsr-3184	369	2	,	,	PUNCT
fsr-3184	369	3	a.	a.	PROPN
fsr-3184	369	4	,	,	PUNCT
fsr-3184	369	5	&	&	CCONJ
fsr-3184	369	6	scherpf	scherpf	NOUN
fsr-3184	369	7	,	,	PUNCT
fsr-3184	369	8	e.	e.	PROPN
fsr-3184	369	9	(	(	PUNCT
fsr-3184	369	10	2004	2004	NUM
fsr-3184	369	11	)	)	PUNCT
fsr-3184	369	12	.	.	PUNCT
fsr-3184	370	1	moving	move	VERB
fsr-3184	370	2	from	from	ADP
fsr-3184	370	3	unbanked	unbanked	ADJ
fsr-3184	370	4	to	to	ADP
fsr-3184	370	5	banked	banked	ADJ
fsr-3184	370	6	:	:	PUNCT
fsr-3184	370	7	evidence	evidence	NOUN
fsr-3184	370	8	from	from	ADP
fsr-3184	370	9	the	the	DET
fsr-3184	370	10	money	money	NOUN
fsr-3184	370	11	smart	smart	ADJ
fsr-3184	370	12	program	program	NOUN
fsr-3184	370	13	.	.	PUNCT
fsr-3184	371	1	financial	financial	ADJ
fsr-3184	371	2	services	services	PROPN
fsr-3184	371	3	review	review	PROPN
fsr-3184	371	4	,	,	PUNCT
fsr-3184	371	5	13	13	NUM
fsr-3184	371	6	,	,	PUNCT
fsr-3184	371	7	215–231	215–231	NUM
fsr-3184	371	8	.	.	PUNCT
fsr-3184	372	1	munnell	munnell	PROPN
fsr-3184	372	2	,	,	PUNCT
fsr-3184	372	3	a.	a.	PROPN
fsr-3184	372	4	h.	h.	PROPN
fsr-3184	372	5	,	,	PUNCT
fsr-3184	372	6	golub	golub	PROPN
fsr-3184	372	7	-	-	PUNCT
fsr-3184	372	8	sass	sass	PROPN
fsr-3184	372	9	,	,	PUNCT
fsr-3184	372	10	f.	f.	PROPN
fsr-3184	372	11	,	,	PUNCT
fsr-3184	372	12	perun	perun	NOUN
fsr-3184	372	13	,	,	PUNCT
fsr-3184	372	14	p.	p.	NOUN
fsr-3184	372	15	,	,	PUNCT
fsr-3184	372	16	&	&	CCONJ
fsr-3184	372	17	webb	webb	PROPN
fsr-3184	372	18	,	,	PUNCT
fsr-3184	372	19	a.	a.	NOUN
fsr-3184	372	20	(	(	PUNCT
fsr-3184	372	21	2007	2007	NUM
fsr-3184	372	22	)	)	PUNCT
fsr-3184	372	23	.	.	PUNCT
fsr-3184	373	1	households	household	NOUN
fsr-3184	373	2	at	at	ADP
fsr-3184	373	3	risk	risk	NOUN
fsr-3184	373	4	:	:	PUNCT
fsr-3184	373	5	a	a	DET
fsr-3184	373	6	closer	close	ADJ
fsr-3184	373	7	look	look	NOUN
fsr-3184	373	8	at	at	ADP
fsr-3184	373	9	the	the	DET
fsr-3184	373	10	bottom	bottom	ADJ
fsr-3184	373	11	third	third	NOUN
fsr-3184	373	12	(	(	PUNCT
fsr-3184	373	13	center	center	NOUN
fsr-3184	373	14	for	for	ADP
fsr-3184	373	15	retirement	retirement	NOUN
fsr-3184	373	16	working	work	VERB
fsr-3184	373	17	papers	paper	NOUN
fsr-3184	373	18	)	)	PUNCT
fsr-3184	373	19	.	.	PUNCT
fsr-3184	374	1	boston	boston	PROPN
fsr-3184	374	2	,	,	PUNCT
fsr-3184	374	3	ma	ma	PROPN
fsr-3184	374	4	:	:	PUNCT
fsr-3184	374	5	the	the	DET
fsr-3184	374	6	center	center	NOUN
fsr-3184	374	7	for	for	ADP
fsr-3184	374	8	retirement	retirement	NOUN
fsr-3184	374	9	research	research	NOUN
fsr-3184	374	10	,	,	PUNCT
fsr-3184	374	11	boston	boston	PROPN
fsr-3184	374	12	college	college	PROPN
fsr-3184	374	13	.	.	PUNCT
fsr-3184	375	1	olsen	olsen	PROPN
fsr-3184	375	2	,	,	PUNCT
fsr-3184	375	3	a.	a.	PROPN
fsr-3184	375	4	,	,	PUNCT
fsr-3184	375	5	&	&	CCONJ
fsr-3184	375	6	whitman	whitman	PROPN
fsr-3184	375	7	,	,	PUNCT
fsr-3184	375	8	k.	k.	PROPN
fsr-3184	375	9	(	(	PUNCT
fsr-3184	375	10	2007	2007	NUM
fsr-3184	375	11	)	)	PUNCT
fsr-3184	375	12	.	.	PUNCT
fsr-3184	376	1	effective	effective	ADJ
fsr-3184	376	2	retirement	retirement	NOUN
fsr-3184	376	3	savings	saving	NOUN
fsr-3184	376	4	programs	program	NOUN
fsr-3184	376	5	:	:	PUNCT
fsr-3184	376	6	design	design	NOUN
fsr-3184	376	7	features	feature	NOUN
fsr-3184	376	8	and	and	CCONJ
fsr-3184	376	9	financial	financial	ADJ
fsr-3184	376	10	education	education	NOUN
fsr-3184	376	11	.	.	PUNCT
fsr-3184	377	1	social	social	ADJ
fsr-3184	377	2	security	security	NOUN
fsr-3184	377	3	bulletin	bulletin	NOUN
fsr-3184	377	4	,	,	PUNCT
fsr-3184	377	5	67	67	NUM
fsr-3184	377	6	,	,	PUNCT
fsr-3184	377	7	53–72	53–72	NUM
fsr-3184	377	8	.	.	PUNCT
fsr-3184	378	1	olsen	olsen	PROPN
fsr-3184	378	2	,	,	PUNCT
fsr-3184	378	3	k.	k.	PROPN
fsr-3184	378	4	,	,	PUNCT
fsr-3184	378	5	&	&	CCONJ
fsr-3184	378	6	vanderhei	vanderhei	PROPN
fsr-3184	378	7	,	,	PUNCT
fsr-3184	378	8	j.	j.	PROPN
fsr-3184	378	9	(	(	PUNCT
fsr-3184	378	10	1997	1997	NUM
fsr-3184	378	11	)	)	PUNCT
fsr-3184	378	12	.	.	PUNCT
fsr-3184	379	1	defined	define	VERB
fsr-3184	379	2	contribution	contribution	NOUN
fsr-3184	379	3	plans	plan	NOUN
fsr-3184	379	4	dominance	dominance	NOUN
fsr-3184	379	5	grows	grow	VERB
fsr-3184	379	6	across	across	ADP
fsr-3184	379	7	sectors	sector	NOUN
fsr-3184	379	8	and	and	CCONJ
fsr-3184	379	9	employer	employer	NOUN
fsr-3184	379	10	sizes	size	NOUN
fsr-3184	379	11	,	,	PUNCT
fsr-3184	379	12	while	while	SCONJ
fsr-3184	379	13	mega	mega	ADJ
fsr-3184	379	14	defined	define	VERB
fsr-3184	379	15	benefit	benefit	NOUN
fsr-3184	379	16	plans	plan	NOUN
fsr-3184	379	17	remain	remain	VERB
fsr-3184	379	18	strong	strong	ADJ
fsr-3184	379	19	:	:	PUNCT
fsr-3184	379	20	where	where	SCONJ
fsr-3184	379	21	we	we	PRON
fsr-3184	379	22	are	be	AUX
fsr-3184	379	23	and	and	CCONJ
fsr-3184	379	24	where	where	SCONJ
fsr-3184	379	25	we	we	PRON
fsr-3184	379	26	are	be	AUX
fsr-3184	379	27	going	go	VERB
fsr-3184	379	28	(	(	PUNCT
fsr-3184	379	29	special	special	ADJ
fsr-3184	379	30	report	report	NOUN
fsr-3184	379	31	sr-33	sr-33	NOUN
fsr-3184	379	32	,	,	PUNCT
fsr-3184	379	33	ebri	ebri	NOUN
fsr-3184	379	34	issue	issue	NOUN
fsr-3184	379	35	brief	brief	ADJ
fsr-3184	379	36	number	number	NOUN
fsr-3184	379	37	190	190	NUM
fsr-3184	379	38	)	)	PUNCT
fsr-3184	379	39	.	.	PUNCT
fsr-3184	380	1	washington	washington	PROPN
fsr-3184	380	2	,	,	PUNCT
fsr-3184	380	3	dc	dc	PROPN
fsr-3184	380	4	:	:	PUNCT
fsr-3184	380	5	employee	employee	NOUN
fsr-3184	380	6	benefit	benefit	NOUN
fsr-3184	380	7	research	research	NOUN
fsr-3184	380	8	institution	institution	NOUN
fsr-3184	380	9	.	.	PUNCT
fsr-3184	381	1	retrieved	retrieve	VERB
fsr-3184	381	2	from	from	ADP
fsr-3184	381	3	http://www.ebri.org/pdf/briefspdf/1097lb.pdf	http://www.ebri.org/pdf/briefspdf/1097lb.pdf	PROPN
fsr-3184	381	4	rand	rand	NOUN
fsr-3184	381	5	,	,	PUNCT
fsr-3184	381	6	d.	d.	PROPN
fsr-3184	381	7	(	(	PUNCT
fsr-3184	381	8	2004	2004	NUM
fsr-3184	381	9	)	)	PUNCT
fsr-3184	381	10	.	.	PUNCT
fsr-3184	382	1	financial	financial	ADJ
fsr-3184	382	2	education	education	NOUN
fsr-3184	382	3	and	and	CCONJ
fsr-3184	382	4	asset	asset	NOUN
fsr-3184	382	5	-	-	PUNCT
fsr-3184	382	6	building	building	NOUN
fsr-3184	382	7	programs	program	NOUN
fsr-3184	382	8	for	for	ADP
fsr-3184	382	9	welfare	welfare	NOUN
fsr-3184	382	10	recipients	recipient	NOUN
fsr-3184	382	11	and	and	CCONJ
fsr-3184	382	12	low	low	ADJ
fsr-3184	382	13	-	-	PUNCT
fsr-3184	382	14	income	income	NOUN
fsr-3184	382	15	workers	worker	NOUN
fsr-3184	382	16	:	:	PUNCT
fsr-3184	382	17	the	the	DET
fsr-3184	382	18	illinois	illinois	PROPN
fsr-3184	382	19	experience	experience	NOUN
fsr-3184	382	20	.	.	PUNCT
fsr-3184	383	1	washington	washington	PROPN
fsr-3184	383	2	,	,	PUNCT
fsr-3184	383	3	dc	dc	PROPN
fsr-3184	383	4	:	:	PUNCT
fsr-3184	383	5	the	the	DET
fsr-3184	383	6	brookings	brookings	PROPN
fsr-3184	383	7	institution	institution	NOUN
fsr-3184	383	8	center	center	NOUN
fsr-3184	383	9	on	on	ADP
fsr-3184	383	10	urban	urban	ADJ
fsr-3184	383	11	and	and	CCONJ
fsr-3184	383	12	metropolitan	metropolitan	ADJ
fsr-3184	383	13	policy	policy	NOUN
fsr-3184	383	14	.	.	PUNCT
fsr-3184	384	1	remund	remund	NOUN
fsr-3184	384	2	,	,	PUNCT
fsr-3184	384	3	d.	d.	PROPN
fsr-3184	384	4	(	(	PUNCT
fsr-3184	384	5	2010	2010	NUM
fsr-3184	384	6	)	)	PUNCT
fsr-3184	384	7	.	.	PUNCT
fsr-3184	385	1	financial	financial	ADJ
fsr-3184	385	2	literacy	literacy	NOUN
fsr-3184	385	3	explicated	explicate	VERB
fsr-3184	385	4	:	:	PUNCT
fsr-3184	385	5	the	the	DET
fsr-3184	385	6	case	case	NOUN
fsr-3184	385	7	for	for	ADP
fsr-3184	385	8	a	a	DET
fsr-3184	385	9	clearer	clear	ADJ
fsr-3184	385	10	definition	definition	NOUN
fsr-3184	385	11	in	in	ADP
fsr-3184	385	12	an	an	DET
fsr-3184	385	13	increasingly	increasingly	ADV
fsr-3184	385	14	complex	complex	ADJ
fsr-3184	385	15	economy	economy	NOUN
fsr-3184	385	16	.	.	PUNCT
fsr-3184	386	1	journal	journal	PROPN
fsr-3184	386	2	of	of	ADP
fsr-3184	386	3	consumer	consumer	NOUN
fsr-3184	386	4	affairs	affair	NOUN
fsr-3184	386	5	,	,	PUNCT
fsr-3184	386	6	44	44	NUM
fsr-3184	386	7	,	,	PUNCT
fsr-3184	386	8	276–295	276–295	NUM
fsr-3184	386	9	.	.	PUNCT
fsr-3184	387	1	rooij	rooij	NOUN
fsr-3184	387	2	,	,	PUNCT
fsr-3184	387	3	m.	m.	NOUN
fsr-3184	387	4	,	,	PUNCT
fsr-3184	387	5	lusardi	lusardi	PROPN
fsr-3184	387	6	,	,	PUNCT
fsr-3184	387	7	a.	a.	NOUN
fsr-3184	387	8	,	,	PUNCT
fsr-3184	387	9	&	&	CCONJ
fsr-3184	387	10	alessie	alessie	PROPN
fsr-3184	387	11	.	.	PUNCT
fsr-3184	388	1	r.	r.	PROPN
fsr-3184	388	2	(	(	PUNCT
fsr-3184	388	3	2011	2011	NUM
fsr-3184	388	4	)	)	PUNCT
fsr-3184	388	5	.	.	PUNCT
fsr-3184	389	1	financial	financial	ADJ
fsr-3184	389	2	literacy	literacy	NOUN
fsr-3184	389	3	and	and	CCONJ
fsr-3184	389	4	stock	stock	NOUN
fsr-3184	389	5	market	market	NOUN
fsr-3184	389	6	participation	participation	NOUN
fsr-3184	389	7	.	.	PUNCT
fsr-3184	390	1	journal	journal	NOUN
fsr-3184	390	2	of	of	ADP
fsr-3184	390	3	financial	financial	ADJ
fsr-3184	390	4	economics	economic	NOUN
fsr-3184	390	5	,	,	PUNCT
fsr-3184	390	6	101	101	NUM
fsr-3184	390	7	,	,	PUNCT
fsr-3184	390	8	449–472	449–472	NUM
fsr-3184	390	9	.	.	PUNCT
fsr-3184	390	10	sas	sas	PROPN
fsr-3184	390	11	knowledge	knowledge	PROPN
fsr-3184	390	12	base	base	PROPN
fsr-3184	390	13	.	.	PUNCT
fsr-3184	391	1	(	(	PUNCT
fsr-3184	391	2	2012	2012	NUM
fsr-3184	391	3	)	)	PUNCT
fsr-3184	391	4	.	.	PUNCT
fsr-3184	392	1	the	the	DET
fsr-3184	392	2	proc	proc	PROPN
fsr-3184	392	3	logistic	logistic	ADJ
fsr-3184	392	4	proportional	proportional	ADJ
fsr-3184	392	5	odds	odd	NOUN
fsr-3184	392	6	test	test	NOUN
fsr-3184	392	7	and	and	CCONJ
fsr-3184	392	8	how	how	SCONJ
fsr-3184	392	9	to	to	PART
fsr-3184	392	10	fit	fit	VERB
fsr-3184	392	11	a	a	DET
fsr-3184	392	12	partial	partial	ADJ
fsr-3184	392	13	proportional	proportional	ADJ
fsr-3184	392	14	odds	odd	NOUN
fsr-3184	392	15	model	model	NOUN
fsr-3184	392	16	.	.	PUNCT
fsr-3184	393	1	(	(	PUNCT
fsr-3184	393	2	available	available	ADJ
fsr-3184	393	3	at	at	ADP
fsr-3184	393	4	http://support.sas.com/kb/22/954.html	http://support.sas.com/kb/22/954.html	NUM
fsr-3184	393	5	)	)	PUNCT
fsr-3184	393	6	.	.	PUNCT
fsr-3184	394	1	servon	servon	PROPN
fsr-3184	394	2	,	,	PUNCT
fsr-3184	394	3	l.	l.	PROPN
fsr-3184	394	4	,	,	PUNCT
fsr-3184	394	5	&	&	CCONJ
fsr-3184	394	6	kaestner	kaestner	PROPN
fsr-3184	394	7	,	,	PUNCT
fsr-3184	394	8	r.	r.	PROPN
fsr-3184	394	9	(	(	PUNCT
fsr-3184	394	10	2008	2008	NUM
fsr-3184	394	11	)	)	PUNCT
fsr-3184	394	12	.	.	PUNCT
fsr-3184	395	1	consumer	consumer	NOUN
fsr-3184	395	2	financial	financial	ADJ
fsr-3184	395	3	literacy	literacy	NOUN
fsr-3184	395	4	and	and	CCONJ
fsr-3184	395	5	the	the	DET
fsr-3184	395	6	impact	impact	NOUN
fsr-3184	395	7	of	of	ADP
fsr-3184	395	8	online	online	ADJ
fsr-3184	395	9	banking	banking	NOUN
fsr-3184	395	10	on	on	ADP
fsr-3184	395	11	the	the	DET
fsr-3184	395	12	financial	financial	ADJ
fsr-3184	395	13	behavior	behavior	NOUN
fsr-3184	395	14	of	of	ADP
fsr-3184	395	15	low	low	ADJ
fsr-3184	395	16	-	-	PUNCT
fsr-3184	395	17	income	income	NOUN
fsr-3184	395	18	bank	bank	NOUN
fsr-3184	395	19	customers	customer	NOUN
fsr-3184	395	20	.	.	PUNCT
fsr-3184	396	1	the	the	DET
fsr-3184	396	2	journal	journal	NOUN
fsr-3184	396	3	of	of	ADP
fsr-3184	396	4	consumer	consumer	NOUN
fsr-3184	396	5	affairs	affair	NOUN
fsr-3184	396	6	,	,	PUNCT
fsr-3184	396	7	42	42	NUM
fsr-3184	396	8	,	,	PUNCT
fsr-3184	396	9	271–305	271–305	NUM
fsr-3184	396	10	.	.	PUNCT
fsr-3184	397	1	snedker	snedker	NOUN
fsr-3184	397	2	,	,	PUNCT
fsr-3184	397	3	k.	k.	PROPN
fsr-3184	397	4	,	,	PUNCT
fsr-3184	397	5	glynn	glynn	PROPN
fsr-3184	397	6	p.	p.	PROPN
fsr-3184	397	7	,	,	PUNCT
fsr-3184	397	8	&	&	CCONJ
fsr-3184	397	9	wang	wang	PROPN
fsr-3184	397	10	,	,	PUNCT
fsr-3184	397	11	c.	c.	PROPN
fsr-3184	397	12	(	(	PUNCT
fsr-3184	397	13	2002	2002	NUM
fsr-3184	397	14	)	)	PUNCT
fsr-3184	397	15	.	.	PUNCT
fsr-3184	398	1	ordered	order	VERB
fsr-3184	398	2	/	/	SYM
fsr-3184	398	3	ordinal	ordinal	ADJ
fsr-3184	398	4	logistic	logistic	ADJ
fsr-3184	398	5	regression	regression	NOUN
fsr-3184	398	6	with	with	ADP
fsr-3184	398	7	sas	sas	PROPN
fsr-3184	398	8	and	and	CCONJ
fsr-3184	398	9	stata1	stata1	PROPN
fsr-3184	398	10	.	.	PUNCT
fsr-3184	399	1	seattle	seattle	PROPN
fsr-3184	399	2	,	,	PUNCT
fsr-3184	399	3	wa	wa	PROPN
fsr-3184	399	4	:	:	PUNCT
fsr-3184	399	5	the	the	DET
fsr-3184	399	6	university	university	PROPN
fsr-3184	399	7	of	of	ADP
fsr-3184	399	8	washington	washington	PROPN
fsr-3184	399	9	.	.	PUNCT
fsr-3184	400	1	(	(	PUNCT
fsr-3184	400	2	available	available	ADJ
fsr-3184	400	3	at	at	ADP
fsr-3184	400	4	http://staff.washington.edu/glynn/olr.pdf	http://staff.washington.edu/glynn/olr.pdf	NOUN
fsr-3184	400	5	)	)	PUNCT
fsr-3184	400	6	.	.	PUNCT
fsr-3184	401	1	u.s	u.s	PROPN
fsr-3184	401	2	.	.	PROPN
fsr-3184	401	3	department	department	PROPN
fsr-3184	401	4	of	of	ADP
fsr-3184	401	5	health	health	PROPN
fsr-3184	401	6	and	and	CCONJ
fsr-3184	401	7	human	human	ADJ
fsr-3184	401	8	services	service	NOUN
fsr-3184	401	9	.	.	PUNCT
fsr-3184	402	1	(	(	PUNCT
fsr-3184	402	2	2010	2010	NUM
fsr-3184	402	3	)	)	PUNCT
fsr-3184	402	4	.	.	PUNCT
fsr-3184	403	1	the	the	DET
fsr-3184	403	2	2010	2010	NUM
fsr-3184	403	3	human	human	ADJ
fsr-3184	403	4	health	health	NOUN
fsr-3184	403	5	services	service	NOUN
fsr-3184	403	6	poverty	poverty	NOUN
fsr-3184	403	7	guidelines	guideline	NOUN
fsr-3184	403	8	.	.	PUNCT
fsr-3184	404	1	(	(	PUNCT
fsr-3184	404	2	available	available	ADJ
fsr-3184	404	3	at	at	ADP
fsr-3184	404	4	http://aspe.hhs.gov/poverty/10poverty.shtml	http://aspe.hhs.gov/poverty/10poverty.shtml	PROPN
fsr-3184	404	5	)	)	PUNCT
fsr-3184	404	6	.	.	PUNCT
fsr-3184	405	1	43c.r	43c.r	NUM
fsr-3184	405	2	.	.	PUNCT
fsr-3184	406	1	hudson	hudson	PROPN
fsr-3184	406	2	,	,	PUNCT
fsr-3184	406	3	l.	l.	PROPN
fsr-3184	406	4	palmer	palmer	PROPN
fsr-3184	406	5	/	/	SYM
fsr-3184	406	6	financial	financial	ADJ
fsr-3184	406	7	services	service	NOUN
fsr-3184	406	8	review	review	VERB
fsr-3184	406	9	23	23	NUM
fsr-3184	406	10	(	(	PUNCT
fsr-3184	406	11	2014	2014	NUM
fsr-3184	406	12	)	)	PUNCT
fsr-3184	406	13	25–43	25–43	NUM